FAMILIES AND SCHOOLS TOGETHER FEDERAL CREDIT UNION
FAMILIES AND SCHOOLS TOGETHER FEDERAL CREDIT UNION received 112 applications in 2025 and made 38 mortgages, in 5 counties across 1 state. The median rate its borrowers got was Not published on a median loan of $65,000. Of 92 decisions, 38 were denials — 41.3%. 13 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 549300I8D8TQDQWQAO82 |
|---|---|
| Applications received | 112 |
| Mortgages made | 38 |
| Denied | 38 |
| Approved, not taken up | 16 |
| Withdrawn or incomplete | 20 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| 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 | 3 | Under 10 loans | Under 10 loans | 50.0% |
| Refinancing | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Cash-out refinancing | 7 | Under 10 loans | Under 10 loans | 46.7% |
| Other purposes | 27 | Not published | $65,000 | 37.5% |
Where FAMILIES AND SCHOOLS TOGETHER FEDERAL CREDIT UNION lends most
The 5 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Kings County, CA | 35 | Not published | 38.4% |
| Fresno County, CA | 1 | Under 10 loans | 77.8% |
| Riverside County, CA | 1 | Under 10 loans | 0.0% |
| Tulare County, CA | 1 | Under 10 loans | 0.0% |
| Monterey County, CA | 0 | Under 10 loans | Not published |
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When FAMILIES AND SCHOOLS TOGETHER 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.