Bowater Employees Credit Union
Bowater Employees Credit Union received 37 applications in 2025 and made 15 mortgages, in 6 counties across 1 state. The median rate its borrowers got was 6.500% on a median loan of $235,000. Of 30 decisions, 7 were denials — 23.3%, most often for collateral.
| Legal Entity Identifier | 254900TTXC2DBWKBNZ05 |
|---|---|
| Applications received | 37 |
| Mortgages made | 15 |
| Denied | 7 |
| Approved, not taken up | 8 |
| Withdrawn or incomplete | 7 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.5045 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 | 5 | Under 10 loans | Under 10 loans | 22.2% |
| Refinancing | 2 | Under 10 loans | Under 10 loans | 25.0% |
| Cash-out refinancing | 5 | Under 10 loans | Under 10 loans | 27.3% |
| Other purposes | 3 | Under 10 loans | Under 10 loans | 16.7% |
Where Bowater Employees Credit Union lends most
The 6 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| McMinn County, TN | 9 | Under 10 loans | 21.4% |
| Bradley County, TN | 3 | Under 10 loans | 42.9% |
| Monroe County, TN | 2 | Under 10 loans | 0.0% |
| Hamilton County, TN | 1 | Under 10 loans | 0.0% |
| Meigs County, TN | 0 | Under 10 loans | 33.3% |
| Polk County, TN | 0 | Under 10 loans | Not published |
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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.