WATERBURY CONNECTICUT TEACHERS FEDERAL CREDIT UNION
WATERBURY CONNECTICUT TEACHERS FEDERAL CREDIT UNION received 118 applications in 2025 and made 99 mortgages, in 7 counties across 1 state. The median rate its borrowers got was 6.490% on a median loan of $75,000. Of 104 decisions, 5 were denials — 4.8%, most often for collateral.
| Legal Entity Identifier | 5493001BJFQ0EM41N379 |
|---|---|
| Applications received | 118 |
| Mortgages made | 99 |
| Denied | 5 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 14 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.76 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 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Refinancing | 30 | 6.490% | $75,000 | 6.3% |
| Cash-out refinancing | 17 | 6.740% | $75,000 | 10.5% |
| Other purposes | 51 | 6.490% | $55,000 | 1.9% |
Where WATERBURY CONNECTICUT TEACHERS FEDERAL CREDIT UNION lends most
The 7 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Naugatuck Valley Planning Region, CT | 62 | 6.490% | 6.1% |
| Western Connecticut Planning Region, CT | 19 | 6.490% | 5.0% |
| Greater Bridgeport Planning Region, CT | 6 | Under 10 loans | 0.0% |
| Northwest Hills Planning Region, CT | 5 | Under 10 loans | 0.0% |
| South Central Connecticut Planning Region, CT | 4 | Under 10 loans | 0.0% |
| Capitol Planning Region, CT | 2 | Under 10 loans | 0.0% |
| Lower Connecticut River Valley Planning Region, CT | 1 | Under 10 loans | 0.0% |
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When WATERBURY CONNECTICUT 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.