Chattanooga Federal Employees Credit Union
Chattanooga Federal Employees Credit Union received 35 applications in 2025 and made 20 mortgages, in 9 counties across 2 states. The median rate its borrowers got was 7.500% on a median loan of $130,000. Of 32 decisions, 5 were denials — 15.6%, most often for credit history.
| Legal Entity Identifier | 549300A1ILQC3X3Z1716 |
|---|---|
| Applications received | 35 |
| Mortgages made | 20 |
| Denied | 5 |
| Approved, not taken up | 7 |
| Withdrawn or incomplete | 3 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 1.5855 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 | 6 | Under 10 loans | Under 10 loans | 11.1% |
| Refinancing | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Cash-out refinancing | 10 | 7.500% | $105,000 | 16.7% |
| Other purposes | 1 | Under 10 loans | Under 10 loans | 0.0% |
Where Chattanooga Federal Employees Credit Union lends most
The 9 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Hamilton County, TN | 12 | 7.500% | 21.1% |
| Catoosa County, GA | 5 | Under 10 loans | 0.0% |
| Walker County, GA | 1 | Under 10 loans | 50.0% |
| McMinn County, TN | 1 | Under 10 loans | 0.0% |
| Rhea County, TN | 1 | Under 10 loans | 0.0% |
| Dade County, GA | 0 | Under 10 loans | 0.0% |
| Marion County, TN | 0 | Under 10 loans | Not published |
| Polk County, TN | 0 | Under 10 loans | 0.0% |
| Sequatchie County, TN | 0 | Under 10 loans | 0.0% |
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When Chattanooga Federal Employees 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.