Memphis City Employees Credit Union
Memphis City Employees Credit Union received 186 applications in 2025 and made 118 mortgages, in 12 counties across 3 states. The median rate its borrowers got was Not published on a median loan of $105,000. Of 150 decisions, 32 were denials — 21.3%.
| Legal Entity Identifier | 549300DU662K57XBSH20 |
|---|---|
| Applications received | 186 |
| Mortgages made | 118 |
| Denied | 32 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 36 |
| 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 | 38 | Not published | $225,000 | 0.0% |
| Refinancing | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Cash-out refinancing | 78 | Not published | $85,000 | 28.4% |
Where Memphis City Employees Credit Union lends most
The 12 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 | 76 | Not published | 24.0% |
| DeSoto County, MS | 15 | Not published | 16.7% |
| Fayette County, TN | 9 | Under 10 loans | 10.0% |
| Tipton County, TN | 6 | Under 10 loans | 33.3% |
| Marshall County, MS | 3 | Under 10 loans | 0.0% |
| Crittenden County, AR | 2 | Under 10 loans | 33.3% |
| Hardin County, TN | 2 | Under 10 loans | 0.0% |
| Madison County, TN | 2 | Under 10 loans | 0.0% |
| Clay County, AR | 1 | Under 10 loans | 0.0% |
| Cleburne County, AR | 1 | Under 10 loans | 0.0% |
| Tate County, MS | 1 | Under 10 loans | 0.0% |
| Saline County, AR | 0 | Under 10 loans | Not published |
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When Memphis City 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.