Charter Oak Federal Credit Union
Charter Oak Federal Credit Union received 1,054 applications in 2025 and made 762 mortgages, in 14 counties across 3 states. The median rate its borrowers got was 6.500% on a median loan of $105,000. Of 908 decisions, 134 were denials — 14.8%, most often for debt-to-income ratio.
| Legal Entity Identifier | 254900HJA1Y85EJCGB90 |
|---|---|
| Applications received | 1,054 |
| Mortgages made | 762 |
| Denied | 134 |
| Approved, not taken up | 12 |
| Withdrawn or incomplete | 146 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.05 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 | 178 | 6.250% | $310,000 | 7.1% |
| Refinancing | 32 | 6.000% | $190,000 | 25.6% |
| Cash-out refinancing | 160 | 6.500% | $115,000 | 17.3% |
| Other purposes | 392 | 6.500% | $75,000 | 15.9% |
Where Charter Oak Federal Credit Union lends most
The 14 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Southeastern Connecticut Planning Region, CT | 477 | 6.500% | 15.0% |
| Northeastern Connecticut Planning Region, CT | 156 | 6.500% | 14.2% |
| Capitol Planning Region, CT | 52 | 6.480% | 14.5% |
| Lower Connecticut River Valley Planning Region, CT | 39 | 6.500% | 9.3% |
| Washington County, RI | 17 | 6.375% | 22.7% |
| South Central Connecticut Planning Region, CT | 8 | Under 10 loans | 0.0% |
| Providence County, RI | 4 | Under 10 loans | 0.0% |
| Naugatuck Valley Planning Region, CT | 3 | Under 10 loans | 0.0% |
| Western Connecticut Planning Region, CT | 2 | Under 10 loans | 66.7% |
| Greater Bridgeport Planning Region, CT | 1 | Under 10 loans | 0.0% |
| Northwest Hills Planning Region, CT | 1 | Under 10 loans | 0.0% |
| Kent County, RI | 1 | Under 10 loans | 0.0% |
| Newport County, RI | 1 | Under 10 loans | 0.0% |
| Cobb County, GA | 0 | Under 10 loans | Not published |
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When Charter Oak 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.