Name of the lender

IRCO Community Federal Credit UnionMortgage rates, total loan costs and denial rate, 2025

HMDA year2025

Years filed2018 to 2025

Head office: Phillipsburg, NJ
Reporting agency: National Credit Union Administration (NCUA)
Legal Entity Identifier (LEI)
Earlier names on its filings: IRCO Community FCU

Figures by state (CSV)

IRCO Community Federal Credit Union reported 117 mortgage applications in the HMDA data of 2025.

It originated 100 loans in 2025, for $13.0 million in total.

The lender filed the interest rate as “Exempt” for all of its 100 loans originated in 2025. This page shows no median interest rate.

This page shows no median total loan costs, because fewer than 20 loans report the amount.

It denied 12.1% of the applications that it decided in 2025, and the national denial rate was 22.6%.

Filed figures of IRCO Community Federal Credit Union, 2025
Figure	This lender	United States
Applications	117Under 0.1% of the US total	11,766,671
Loans originated	100$13.0 million	6,827,891
Median interest rate	ExemptWhy there is no median	6.375%
Median total loan costs	Exempt	$6,413
Denial rate	12.1%	22.6%

HMDA data are generally not used alone to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions.
The words of the Consumer Financial Protection Bureau (CFPB). Source: Consumer Financial Protection Bureau, Summary of 2023 Data on Mortgage Lending (11 July 2024), copied on 2 Oct 2026. The figures on this page are from the HMDA data of 2025, the snapshot dataset.

Since the last update

No change on record

No tracked figure of this lender has changed since this site started its record. The record compares each update of the HMDA data with the update before it. The record of updates.

PricingMedians of 2025 loans

Median interest rate, 2025Exempt

The lender filed the interest rate as “Exempt” for all of its 100 loans originated in 2025.

Medians are for originated closed-end loans with a first lien. Reverse mortgages, open-end lines of credit and loans for a business purpose are not in the medians.

The applications, the loans originated and the denial rate on this page do not need the exempt fields.

A lender with a partial exemption can file “Exempt” in place of the interest rate, the total loan costs and some other fields. The glossary has the rule.

If a financial institution is eligible for a partial exemption for a specific transaction, then the financial institution is not required to collect, record, or report certain data points for the transaction.
Source: CFPB, A Beginner’s Guide to Accessing and Using Home Mortgage Disclosure Act Data (June 2022), copied on 2 Oct 2026.

Action takenHMDA codes and labels

Records of IRCO Community Federal Credit Union by the action taken, 2025
Action taken	Records	Share of records	US share
1Loan originated	100	85.5%	50.4%
2Application approved but not accepted	2	1.7%	3.1%
3Application denied	14	12.0%	15.6%
4Application withdrawn by applicant	1	0.9%	12.6%
5File closed for incompleteness	0	0.0%	5.1%
6Purchased loan	0	0.0%	11.7%
7Preapproval request denied	0	0.0%	0.4%
8Preapproval request approved but not accepted	0	0.0%	1.1%

The denial rate is code 3 divided by codes 1, 2 and 3: the applications that the lender decided. Codes 4 and 5 are applications with no decision. Code 6 is a loan that the lender bought.

Denial reasonsFirst reason coded

The lender has fewer than 25 denials in 2025, so this page shows no reasons.

Loan types and purposesLoans of 2025

Applications of IRCO Community Federal Credit Union by loan type
Loan type	Applications	Loans originated	Denial rate
Conventional	117	100	12.1%US 23.4%

Applications of IRCO Community Federal Credit Union by loan purpose
Loan purpose	Applications	Loans originated	Share of loans
Home purchase	10	8	8.0%
Home improvement	31	27	27.0%
Refinancing	42	37	37.0%
Cash-out refinancing	0	0	0.0%
Other purpose	34	28	28.0%

The denial rate of a loan type is the denied applications divided by the decided applications of that type. It is "n/a" under 25 decided applications.

States where it lends2 states with 25 applications or more

IRCO Community Federal Credit Union by state, 2025In order of the names. A state with 100 applications or more links to the lender's page for the state.
State	Applications	Loans originated	Median interest rate	Median total loan costs	Denial rate
New Jersey	47	39	n/a	n/a	12.8%
Pennsylvania	70	61	n/a	n/a	11.6%

Counties of IRCO Community Federal Credit Union with 50 applications or more, 2025In order of the names. The list has the 1 counties with the most loans of the lender.
County	Applications	Loans originated	Amount	Denial rate
Northampton County, PA	56	49	$6.5 million	10.9%

Figures by yearHMDA 2022 to 2025

IRCO Community Federal Credit Union by HMDA year"n/a" shows a year with fewer than 25 applications, or a year that this site does not process.
Year	Applications	Loans originated	Median interest rate	Median total loan costs	Denial rate	Records filed
2025	117	100	n/a	n/a	12.1%	117
2024	94	74	n/a	n/a	16.9%	94
2023	132	114	n/a	n/a	12.2%	132
2022	n/a	n/a	n/a	n/a	n/a	n/a
2019	n/a	n/a	n/a	n/a	n/a	48
2018	n/a	n/a	n/a	n/a	n/a	59

Records filed is the count on the lender's HMDA transmittal sheet. It includes purchased loans and requests for preapproval.

Denial rate by year: IRCO Community Federal Credit Union and the United States

IRCO Community Federal Credit UnionUnited States

Peer lenders12 lenders

These lenders originated a count of loans close to the count of this lender, in the same states. The site compares the applications of each lender by state. The list is not a ranking.

ARC Federal Credit UnionAltoona, PA
BCB Community BankBayonne, NJ
Brentwood BankBethel Park, PA
Chrome Federal Credit UnionWashington, PA
Foote Capital Mortgage CompanyCarlisle, PA
Frick Financial FCUUniontown, PA
Horizon Federal Credit UnionWilliamsport, PA
Marion Center BankIndiana, PA
Merck Employees FCURahway, NJ
Omega Federal Credit UnionPittsburgh, PA
Pennsville National BankPennsville, NJ
X - Healthcare Employees FCU - Moved to Portico 2025/09/01Princeton, NJ

Official channelsLinks checked 2 Oct 2026

HMDA Data Browser (FFIEC and CFPB)The HMDA records of this lender, with a CSV download.
Submit a complaint (Consumer Financial Protection Bureau)The CFPB form for a complaint about a mortgage or a lender.

Cite this page

Page: Lender Register, "IRCO Community Federal Credit Union mortgage rates, 2025", https://lenderregister.com/lender/2549006803o7lx222108-irco-community-federal-credit-union/
Lender: IRCO Community Federal Credit Union, LEI 2549006803O7LX222108
Source: Federal Financial Institutions Examination Council and Consumer Financial Protection Bureau, Home Mortgage Disclosure Act data, 2025, snapshot dataset
Data date: HMDA year 2025. Page made 2 Oct 2026.

Provenance

The figures come from the public HMDA loan/application register of 2022 to 2025. The count of records filed comes from the transmittal sheets of 2018 to 2025. The FFIEC and the CFPB publish them at ffiec.cfpb.gov. The name, the head office and the agency are from the newest transmittal sheet of the LEI.

This site withholds a figure with fewer than 25 applications and a median with fewer than 20 loans. Method of the figures. Terms. Report an error.

Questions

How many loans did IRCO Community Federal Credit Union buy from other lenders in 2025?: It reported no purchased loans. HMDA counts a purchased loan apart from the applications, so the denial rate does not include it.
In which states did IRCO Community Federal Credit Union originate the most loans in 2025?: The three states with the most loans were Pennsylvania (61) and New Jersey (39). It had 25 applications or more in 2 states.
Which loan types did IRCO Community Federal Credit Union originate in 2025?: All its loans were of one type: 100 Conventional.
How did the applications of IRCO Community Federal Credit Union change from 2023 to 2025?: It reported 132 applications in 2023 and 117 in 2025.