CHESSIE Federal Credit Union
CHESSIE Federal Credit Union received 182 applications in 2025 and made 140 mortgages, in 20 counties across 3 states. The median rate its borrowers got was 6.250% on a median loan of $75,000. Of 153 decisions, 11 were denials — 7.2%, most often for credit history. 8 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 549300T82SC9BPCIU410 |
|---|---|
| Applications received | 182 |
| Mortgages made | 140 |
| Denied | 11 |
| Approved, not taken up | 2 |
| Withdrawn or incomplete | 29 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.1115 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 | 25 | 6.250% | $135,000 | 7.4% |
| Refinancing | 74 | 6.000% | $65,000 | 10.7% |
| Cash-out refinancing | 37 | 6.250% | $65,000 | 0.0% |
| Other purposes | 4 | Under 10 loans | Under 10 loans | 0.0% |
Where CHESSIE Federal Credit Union lends most
The 20 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Allegany County, MD | 78 | 6.188% | 8.1% |
| Mineral County, WV | 24 | 6.375% | 3.9% |
| Taylor County, WV | 11 | 5.750% | 8.3% |
| Hampshire County, WV | 4 | Under 10 loans | 0.0% |
| Garrett County, MD | 3 | Under 10 loans | 0.0% |
| Bedford County, PA | 3 | Under 10 loans | 0.0% |
| Somerset County, PA | 3 | Under 10 loans | 0.0% |
| Adams County, PA | 2 | Under 10 loans | 0.0% |
| Preston County, WV | 2 | Under 10 loans | 0.0% |
| Washington County, MD | 1 | Under 10 loans | 0.0% |
| Fayette County, PA | 1 | Under 10 loans | 0.0% |
| Fulton County, PA | 1 | Under 10 loans | 0.0% |
| York County, PA | 1 | Under 10 loans | 0.0% |
| Barbour County, WV | 1 | Under 10 loans | 0.0% |
| Berkeley County, WV | 1 | Under 10 loans | 0.0% |
| Doddridge County, WV | 1 | Under 10 loans | 0.0% |
| Harrison County, WV | 1 | Under 10 loans | 0.0% |
| Lewis County, WV | 1 | Under 10 loans | 0.0% |
| Morgan County, WV | 1 | Under 10 loans | 0.0% |
| Baltimore County, MD | 0 | Under 10 loans | Not published |
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When CHESSIE 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.