Leaders Credit Union
Leaders Credit Union received 2,356 applications in 2025 and made 1,565 mortgages, in 99 counties across 16 states. The median rate its borrowers got was 6.500% on a median loan of $155,000. Of 1,933 decisions, 360 were denials — 18.6%, most often for credit history. 1 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 254900FJRICL380R4T46 |
|---|---|
| Applications received | 2,356 |
| Mortgages made | 1,565 |
| Denied | 360 |
| Approved, not taken up | 8 |
| Withdrawn or incomplete | 423 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.0935 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 | 799 | 6.500% | $225,000 | 14.0% |
| Refinancing | 244 | 6.625% | $190,000 | 17.6% |
| Cash-out refinancing | 14 | 7.313% | $130,000 | 64.1% |
| Other purposes | 508 | 6.490% | $70,000 | 23.0% |
Where Leaders Credit Union 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 |
|---|---|---|---|
| Madison County, TN | 458 | 6.495% | 15.6% |
| Gibson County, TN | 215 | 6.500% | 15.3% |
| Shelby County, TN | 205 | 6.490% | 12.0% |
| Dyer County, TN | 121 | 6.625% | 29.1% |
| Tipton County, TN | 96 | 6.313% | 7.7% |
| Obion County, TN | 67 | 6.625% | 31.0% |
| Chester County, TN | 58 | 6.490% | 15.7% |
| Crockett County, TN | 46 | 6.495% | 16.4% |
| Fayette County, TN | 33 | 6.490% | 15.4% |
| Henderson County, TN | 31 | 6.625% | 13.9% |
| Weakley County, TN | 21 | 6.875% | 37.1% |
| DeSoto County, MS | 20 | 6.490% | 23.1% |
| Carroll County, TN | 20 | 6.490% | 23.1% |
| Lauderdale County, TN | 19 | 6.490% | 40.6% |
| Lake County, TN | 18 | 6.563% | 25.0% |
| Haywood County, TN | 15 | 6.240% | 21.1% |
| McNairy County, TN | 13 | 6.750% | 18.8% |
| Decatur County, TN | 10 | 6.870% | 0.0% |
| Hardeman County, TN | 10 | 6.433% | 33.3% |
| Henry County, TN | 10 | 6.808% | 16.7% |
| Hardin County, TN | 8 | Under 10 loans | 33.3% |
| Marshall County, MS | 4 | Under 10 loans | 20.0% |
| Davidson County, TN | 4 | Under 10 loans | 42.9% |
| Williamson County, TN | 4 | Under 10 loans | 0.0% |
| Fulton County, KY | 3 | Under 10 loans | 25.0% |
| Tate County, MS | 3 | Under 10 loans | 0.0% |
| Knox County, TN | 2 | Under 10 loans | 0.0% |
| Lewis County, TN | 2 | Under 10 loans | 0.0% |
| Montgomery County, TN | 2 | Under 10 loans | 50.0% |
| Putnam County, TN | 2 | Under 10 loans | 0.0% |
| Sumner County, TN | 2 | Under 10 loans | 0.0% |
| Wilson County, TN | 2 | Under 10 loans | 0.0% |
| Tarrant County, TX | 2 | Under 10 loans | 0.0% |
| Franklin County, AL | 1 | Under 10 loans | 0.0% |
| Jefferson County, AL | 1 | Under 10 loans | 0.0% |
| Marengo County, AL | 1 | Under 10 loans | 0.0% |
| Benton County, AR | 1 | Under 10 loans | 0.0% |
| Cleburne County, AR | 1 | Under 10 loans | 0.0% |
| Craighead County, AR | 1 | Under 10 loans | 0.0% |
| Crittenden County, AR | 1 | Under 10 loans | 0.0% |
| Faulkner County, AR | 1 | Under 10 loans | 0.0% |
| Garland County, AR | 1 | Under 10 loans | 0.0% |
| Poinsett County, AR | 1 | Under 10 loans | 0.0% |
| Pope County, AR | 1 | Under 10 loans | 0.0% |
| Washington County, AR | 1 | Under 10 loans | 0.0% |
| Lake County, FL | 1 | Under 10 loans | 0.0% |
| Polk County, FL | 1 | Under 10 loans | 0.0% |
| Volusia County, FL | 1 | Under 10 loans | 0.0% |
| Dade County, GA | 1 | Under 10 loans | 0.0% |
| Hickman County, KY | 1 | Under 10 loans | 50.0% |
Get told when this changes
When Leaders Credit Union’s figures are published for the next year, or restated.
Double opt-in, one click to unsubscribe. We never sell or share the list, and we are not a lender, a broker or a lead generator: this is a notification about published data, not a sales call. Privacy.
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.