Chiphone Federal Credit Union
Chiphone Federal Credit Union received 7 applications in 2025 and made 5 mortgages, in 3 counties across 1 state. The median rate its borrowers got was Not published on a median loan of Not published. Of 6 decisions, 1 were denials — 16.7%, most often for debt-to-income ratio.
| Legal Entity Identifier | 254900JJ3E56IV4SHM86 |
|---|---|
| Applications received | 7 |
| Mortgages made | 5 |
| Denied | 1 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 1 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Under 10 loans |
| 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 | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Refinancing | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Cash-out refinancing | 0 | Under 10 loans | Under 10 loans | 100.0% |
Where Chiphone Federal Credit Union lends most
The 3 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Elkhart County, IN | 3 | Under 10 loans | 0.0% |
| St. Joseph County, IN | 2 | Under 10 loans | 0.0% |
| Jasper County, IN | 0 | Under 10 loans | 100.0% |
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When Chiphone 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.