TEACHERS FEDERAL CREDIT UNION
TEACHERS FEDERAL CREDIT UNION received 3,893 applications in 2025 and made 2,211 mortgages, in 674 counties across 50 states. The median rate its borrowers got was 6.625% on a median loan of $155,000. Of 2,737 decisions, 414 were denials — 15.1%, most often for debt-to-income ratio. 87 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 549300R8VPSFM828B312 |
|---|---|
| Applications received | 3,893 |
| Mortgages made | 2,211 |
| Denied | 414 |
| Approved, not taken up | 112 |
| Withdrawn or incomplete | 1,156 |
| Loans bought from other lenders | 1,766 |
| Median rate spread over the prime offer rate | 0.935 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 | 370 | 5.875% | $540,000 | 7.9% |
| Refinancing | 310 | 6.063% | $175,000 | 10.7% |
| Cash-out refinancing | 571 | 8.000% | $105,000 | 18.7% |
| Other purposes | 960 | 6.990% | $125,000 | 16.7% |
Where TEACHERS FEDERAL 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 |
|---|---|---|---|
| Suffolk County, NY | 1,456 | 6.990% | 15.5% |
| Nassau County, NY | 222 | 6.688% | 11.9% |
| Queens County, NY | 58 | 6.750% | 12.3% |
| Orange County, CA | 39 | 5.750% | 4.7% |
| Alameda County, CA | 28 | 5.625% | 3.5% |
| Los Angeles County, CA | 26 | 5.750% | 12.9% |
| Santa Clara County, CA | 21 | 5.750% | 0.0% |
| Westchester County, NY | 16 | 6.620% | 10.0% |
| Contra Costa County, CA | 15 | 5.625% | 0.0% |
| Kings County, NY | 13 | 5.875% | 31.6% |
| San Diego County, CA | 12 | 5.750% | 7.7% |
| Riverside County, CA | 11 | 5.750% | 8.3% |
| King County, WA | 8 | Under 10 loans | 0.0% |
| Maricopa County, AZ | 7 | Under 10 loans | 0.0% |
| San Francisco County, CA | 7 | Under 10 loans | 0.0% |
| Broward County, FL | 7 | Under 10 loans | 36.4% |
| Palm Beach County, FL | 7 | Under 10 loans | 36.4% |
| Bergen County, NJ | 6 | Under 10 loans | 12.5% |
| Monmouth County, NJ | 6 | Under 10 loans | 33.3% |
| Rockland County, NY | 6 | Under 10 loans | 25.0% |
| Western Connecticut Planning Region, CT | 5 | Under 10 loans | 16.7% |
| Hillsborough County, FL | 5 | Under 10 loans | 44.4% |
| Pasco County, FL | 5 | Under 10 loans | 16.7% |
| Richmond County, NY | 5 | Under 10 loans | 28.6% |
| Mecklenburg County, NC | 5 | Under 10 loans | 28.6% |
| Collier County, FL | 4 | Under 10 loans | 28.6% |
| Miami-Dade County, FL | 4 | Under 10 loans | 33.3% |
| Pinellas County, FL | 4 | Under 10 loans | 0.0% |
| Putnam County, NY | 4 | Under 10 loans | 0.0% |
| Pike County, PA | 4 | Under 10 loans | 0.0% |
| Marin County, CA | 3 | Under 10 loans | 0.0% |
| San Joaquin County, CA | 3 | Under 10 loans | 0.0% |
| Charlotte County, FL | 3 | Under 10 loans | 0.0% |
| Manatee County, FL | 3 | Under 10 loans | 0.0% |
| Polk County, FL | 3 | Under 10 loans | 0.0% |
| Essex County, NJ | 3 | Under 10 loans | 0.0% |
| Gloucester County, NJ | 3 | Under 10 loans | 0.0% |
| Bronx County, NY | 3 | Under 10 loans | 50.0% |
| Dutchess County, NY | 3 | Under 10 loans | 25.0% |
| Erie County, NY | 3 | Under 10 loans | 25.0% |
| Orange County, NY | 3 | Under 10 loans | 50.0% |
| Horry County, SC | 3 | Under 10 loans | 0.0% |
| Sevier County, TN | 3 | Under 10 loans | 0.0% |
| San Mateo County, CA | 2 | Under 10 loans | 0.0% |
| Solano County, CA | 2 | Under 10 loans | 0.0% |
| Arapahoe County, CO | 2 | Under 10 loans | 0.0% |
| South Central Connecticut Planning Region, CT | 2 | Under 10 loans | 0.0% |
| Citrus County, FL | 2 | Under 10 loans | 0.0% |
| Gwinnett County, GA | 2 | Under 10 loans | 33.3% |
| Camden County, NJ | 2 | 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.