U. T. Federal Credit Union
U. T. Federal Credit Union received 279 applications in 2025 and made 205 mortgages, in 28 counties across 2 states. The median rate its borrowers got was 6.875% on a median loan of $85,000. Of 267 decisions, 51 were denials — 19.1%, most often for debt-to-income ratio. 1 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 5493008XX3NZ5S384W16 |
|---|---|
| Applications received | 279 |
| Mortgages made | 205 |
| Denied | 51 |
| Approved, not taken up | 11 |
| Withdrawn or incomplete | 12 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.5905 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 | 37 | 6.500% | $235,000 | 9.5% |
| Refinancing | 19 | 6.375% | $115,000 | 8.7% |
| Cash-out refinancing | 22 | 6.563% | $115,000 | 18.5% |
| Other purposes | 127 | 7.375% | $65,000 | 22.9% |
Where U. T. Federal Credit Union lends most
The 28 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Knox County, TN | 101 | 7.125% | 19.3% |
| Weakley County, TN | 26 | 6.625% | 13.3% |
| Blount County, TN | 15 | 7.000% | 21.1% |
| Shelby County, TN | 12 | 6.500% | 13.3% |
| Loudon County, TN | 9 | Under 10 loans | 18.2% |
| Obion County, TN | 8 | Under 10 loans | 0.0% |
| Anderson County, TN | 6 | Under 10 loans | 33.3% |
| Sevier County, TN | 5 | Under 10 loans | 14.3% |
| Gibson County, TN | 4 | Under 10 loans | 0.0% |
| Dyer County, TN | 2 | Under 10 loans | 0.0% |
| Grainger County, TN | 2 | Under 10 loans | 0.0% |
| Jefferson County, TN | 2 | Under 10 loans | 50.0% |
| Monroe County, TN | 2 | Under 10 loans | 0.0% |
| Sumter County, FL | 1 | Under 10 loans | 0.0% |
| Claiborne County, TN | 1 | Under 10 loans | 0.0% |
| Davidson County, TN | 1 | Under 10 loans | 0.0% |
| Hamblen County, TN | 1 | Under 10 loans | 0.0% |
| Hamilton County, TN | 1 | Under 10 loans | 33.3% |
| Henry County, TN | 1 | Under 10 loans | 0.0% |
| Putnam County, TN | 1 | Under 10 loans | 0.0% |
| Rhea County, TN | 1 | Under 10 loans | 0.0% |
| Scott County, TN | 1 | Under 10 loans | 50.0% |
| Tipton County, TN | 1 | Under 10 loans | 0.0% |
| Washington County, TN | 1 | Under 10 loans | 50.0% |
| McNairy County, TN | 0 | Under 10 loans | 100.0% |
| Madison County, TN | 0 | Under 10 loans | 100.0% |
| Roane County, TN | 0 | Under 10 loans | Not published |
| Union County, TN | 0 | Under 10 loans | 100.0% |
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When U. T. 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.