ASCEND FEDERAL CREDIT UNION
ASCEND FEDERAL CREDIT UNION received 2,938 applications in 2025 and made 1,829 mortgages, in 90 counties across 6 states. The median rate its borrowers got was 7.500% on a median loan of $115,000. Of 2,418 decisions, 534 were denials — 22.1%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300E1PJPTI4YS7H26 |
|---|---|
| Applications received | 2,938 |
| Mortgages made | 1,829 |
| Denied | 534 |
| Approved, not taken up | 55 |
| Withdrawn or incomplete | 520 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.22 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 369 | 5.875% | $345,000 | 7.9% |
| Refinancing | 135 | 6.125% | $345,000 | 24.7% |
| Cash-out refinancing | 550 | 7.500% | $75,000 | 19.2% |
| Other purposes | 775 | 7.500% | $85,000 | 28.4% |
Where ASCEND FEDERAL CREDIT UNION lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Rutherford County, TN | 478 | 7.500% | 21.0% |
| Davidson County, TN | 250 | 7.300% | 27.1% |
| Coffee County, TN | 150 | 7.000% | 17.1% |
| Williamson County, TN | 121 | 7.250% | 22.6% |
| Sumner County, TN | 103 | 7.500% | 19.7% |
| Franklin County, TN | 98 | 7.000% | 14.3% |
| Wilson County, TN | 91 | 7.500% | 22.7% |
| Bedford County, TN | 84 | 7.500% | 23.0% |
| Maury County, TN | 82 | 7.250% | 20.6% |
| Marshall County, TN | 43 | 7.500% | 22.8% |
| Warren County, TN | 31 | 7.250% | 28.9% |
| Dickson County, TN | 27 | 7.500% | 26.3% |
| Putnam County, TN | 21 | 7.250% | 33.3% |
| Cannon County, TN | 20 | 7.500% | 12.5% |
| Montgomery County, TN | 19 | 7.750% | 20.8% |
| Robertson County, TN | 16 | 7.500% | 30.4% |
| Cheatham County, TN | 15 | 7.500% | 20.0% |
| Hickman County, TN | 14 | 7.500% | 12.5% |
| Moore County, TN | 13 | 7.000% | 35.0% |
| DeKalb County, TN | 12 | 6.813% | 20.0% |
| Lawrence County, TN | 10 | 7.000% | 9.1% |
| Lincoln County, TN | 9 | Under 10 loans | 18.2% |
| Giles County, TN | 7 | Under 10 loans | 36.4% |
| Macon County, TN | 7 | Under 10 loans | 12.5% |
| Overton County, TN | 7 | Under 10 loans | 22.2% |
| Shelby County, TN | 7 | Under 10 loans | 22.2% |
| Hamilton County, TN | 6 | Under 10 loans | 14.3% |
| Lewis County, TN | 6 | Under 10 loans | 0.0% |
| Grundy County, TN | 5 | Under 10 loans | 44.4% |
| Humphreys County, TN | 5 | Under 10 loans | 44.4% |
| Knox County, TN | 5 | Under 10 loans | 0.0% |
| White County, TN | 5 | Under 10 loans | 28.6% |
| Van Buren County, TN | 4 | Under 10 loans | 20.0% |
| Baldwin County, AL | 3 | Under 10 loans | 0.0% |
| Hardin County, TN | 3 | Under 10 loans | 0.0% |
| Jackson County, TN | 3 | Under 10 loans | 25.0% |
| Smith County, TN | 3 | Under 10 loans | 50.0% |
| DeKalb County, GA | 2 | Under 10 loans | 0.0% |
| Anderson County, TN | 2 | Under 10 loans | 0.0% |
| Cumberland County, TN | 2 | Under 10 loans | 0.0% |
| Madison County, TN | 2 | Under 10 loans | 0.0% |
| Marion County, TN | 2 | Under 10 loans | 60.0% |
| Trousdale County, TN | 2 | Under 10 loans | 33.3% |
| Jackson County, AL | 1 | Under 10 loans | 0.0% |
| Jefferson County, AL | 1 | Under 10 loans | 0.0% |
| Lauderdale County, AL | 1 | Under 10 loans | 0.0% |
| Limestone County, AL | 1 | Under 10 loans | 50.0% |
| Winston County, AL | 1 | Under 10 loans | 0.0% |
| Bay County, FL | 1 | Under 10 loans | 0.0% |
| Brevard County, FL | 1 | Under 10 loans | 0.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.