Celco Community Federal Credit Union
Celco Community Federal Credit Union received 38 applications in 2025 and made 29 mortgages, in 6 counties across 2 states. The median rate its borrowers got was 8.000% on a median loan of $85,000. Of 33 decisions, 4 were denials — 12.1%, most often for credit history.
| Legal Entity Identifier | 2549009NMZ1FPA016I77 |
|---|---|
| Applications received | 38 |
| Mortgages made | 29 |
| Denied | 4 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 5 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 1.25 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 | 19 | 8.000% | $115,000 | 0.0% |
| Refinancing | 9 | Under 10 loans | Under 10 loans | 18.2% |
| Other purposes | 1 | Under 10 loans | Under 10 loans | 66.7% |
Where Celco Community Federal 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 |
|---|---|---|---|
| Giles County, VA | 16 | 8.000% | 15.8% |
| Monroe County, WV | 7 | Under 10 loans | 0.0% |
| Mercer County, WV | 3 | Under 10 loans | 25.0% |
| Carroll County, VA | 1 | Under 10 loans | 0.0% |
| Montgomery County, VA | 1 | Under 10 loans | 0.0% |
| Summers County, WV | 1 | Under 10 loans | 0.0% |
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When Celco Community Federal Credit Union’s figures are published for the next year, or restated.
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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.