ROME TEACHERS FEDERAL CREDIT UNION
ROME TEACHERS FEDERAL CREDIT UNION received 50 applications in 2025 and made 41 mortgages, in 4 counties across 1 state. The median rate its borrowers got was 5.750% on a median loan of $55,000. Of 45 decisions, 4 were denials — 8.9%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300MRIPL0USI69Q40 |
|---|---|
| Applications received | 50 |
| Mortgages made | 41 |
| Denied | 4 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 5 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.04 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 |
|---|---|---|---|---|
| Refinancing | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Other purposes | 36 | 5.750% | $55,000 | 10.0% |
Where ROME TEACHERS FEDERAL CREDIT UNION lends most
The 4 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Oneida County, NY | 23 | 5.750% | 14.8% |
| Lewis County, NY | 16 | 5.600% | 0.0% |
| Herkimer County, NY | 1 | Under 10 loans | 0.0% |
| Oswego County, NY | 1 | Under 10 loans | 0.0% |
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When ROME TEACHERS 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.