FEDEX EMPLOYEES CREDIT ASSOCIATION
FEDEX EMPLOYEES CREDIT ASSOCIATION received 419 applications in 2025 and made 277 mortgages, in 166 counties across 31 states. The median rate its borrowers got was 7.500% on a median loan of $75,000. Of 333 decisions, 27 were denials — 8.1%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300OGIGNKGO2DX942 |
|---|---|
| Applications received | 419 |
| Mortgages made | 277 |
| Denied | 27 |
| Approved, not taken up | 29 |
| Withdrawn or incomplete | 86 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0 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 | 50 | 6.500% | $220,000 | 19.4% |
| Refinancing | 9 | Under 10 loans | Under 10 loans | 8.3% |
| Cash-out refinancing | 21 | 6.500% | $135,000 | 29.0% |
| Other purposes | 197 | 7.750% | $65,000 | 2.2% |
Where FEDEX EMPLOYEES CREDIT ASSOCIATION lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Shelby County, TN | 73 | 7.500% | 11.4% |
| DeSoto County, MS | 28 | 7.500% | 6.3% |
| Fayette County, TN | 7 | Under 10 loans | 20.0% |
| Allegheny County, PA | 6 | Under 10 loans | 0.0% |
| Maricopa County, AZ | 5 | Under 10 loans | 0.0% |
| Boone County, AR | 5 | Under 10 loans | 0.0% |
| DeKalb County, GA | 4 | Under 10 loans | 0.0% |
| Los Angeles County, CA | 3 | Under 10 loans | 0.0% |
| Orange County, CA | 3 | Under 10 loans | 0.0% |
| San Bernardino County, CA | 3 | Under 10 loans | 0.0% |
| Broward County, FL | 3 | Under 10 loans | 0.0% |
| Cook County, IL | 3 | Under 10 loans | 0.0% |
| Harris County, TX | 3 | Under 10 loans | 0.0% |
| Crittenden County, AR | 2 | Under 10 loans | 0.0% |
| Contra Costa County, CA | 2 | Under 10 loans | 0.0% |
| Kern County, CA | 2 | Under 10 loans | 0.0% |
| Manatee County, FL | 2 | Under 10 loans | 0.0% |
| Fayette County, GA | 2 | Under 10 loans | 0.0% |
| Fulton County, GA | 2 | Under 10 loans | 50.0% |
| Will County, IL | 2 | Under 10 loans | 0.0% |
| Wayne County, MI | 2 | Under 10 loans | 0.0% |
| Marshall County, MS | 2 | Under 10 loans | 33.3% |
| Tate County, MS | 2 | Under 10 loans | 0.0% |
| Camden County, NJ | 2 | Under 10 loans | 0.0% |
| Hudson County, NJ | 2 | Under 10 loans | 0.0% |
| Wilson County, NC | 2 | Under 10 loans | 0.0% |
| Franklin County, OH | 2 | Under 10 loans | 0.0% |
| Northampton County, PA | 2 | Under 10 loans | 0.0% |
| Henry County, TN | 2 | Under 10 loans | 0.0% |
| Tipton County, TN | 2 | Under 10 loans | 0.0% |
| Bedford County, VA | 2 | Under 10 loans | 0.0% |
| Roanoke County, VA | 2 | Under 10 loans | 0.0% |
| Baldwin County, AL | 1 | Under 10 loans | 0.0% |
| Jefferson County, AL | 1 | Under 10 loans | 0.0% |
| Morgan County, AL | 1 | Under 10 loans | 0.0% |
| Shelby County, AL | 1 | Under 10 loans | 0.0% |
| Benton County, AR | 1 | Under 10 loans | 0.0% |
| Craighead County, AR | 1 | Under 10 loans | 0.0% |
| Cross County, AR | 1 | Under 10 loans | 0.0% |
| Faulkner County, AR | 1 | Under 10 loans | 0.0% |
| Newton County, AR | 1 | Under 10 loans | 0.0% |
| Pulaski County, AR | 1 | Under 10 loans | 0.0% |
| Merced County, CA | 1 | Under 10 loans | 0.0% |
| San Diego County, CA | 1 | Under 10 loans | 50.0% |
| San Joaquin County, CA | 1 | Under 10 loans | 50.0% |
| Tuolumne County, CA | 1 | Under 10 loans | 0.0% |
| El Paso County, CO | 1 | Under 10 loans | 0.0% |
| Weld County, CO | 1 | Under 10 loans | 50.0% |
| South Central Connecticut Planning Region, CT | 1 | Under 10 loans | 0.0% |
| Brevard County, FL | 1 | Under 10 loans | 0.0% |
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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.