Fortera Federal Credit Union
Fortera Federal Credit Union received 1,416 applications in 2025 and made 848 mortgages, in 76 counties across 11 states. The median rate its borrowers got was 7.500% on a median loan of $75,000. Of 1,364 decisions, 377 were denials — 27.6%, most often for debt-to-income ratio.
| Legal Entity Identifier | 254900WQCRCK13A7DC81 |
|---|---|
| Applications received | 1,416 |
| Mortgages made | 848 |
| Denied | 377 |
| Approved, not taken up | 139 |
| Withdrawn or incomplete | 52 |
| Loans bought from other lenders | 16 |
| Median rate spread over the prime offer rate | 0.7 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 | 129 | 6.500% | $205,000 | 15.4% |
| Refinancing | 23 | 6.750% | $95,000 | 34.7% |
| Cash-out refinancing | 251 | 7.500% | $95,000 | 17.2% |
| Other purposes | 445 | 7.750% | $55,000 | 34.2% |
Where Fortera 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 |
|---|---|---|---|
| Montgomery County, TN | 515 | 7.500% | 27.0% |
| Christian County, KY | 101 | 7.740% | 28.4% |
| Davidson County, TN | 39 | 8.000% | 29.6% |
| Lawrence County, TN | 21 | 7.750% | 22.0% |
| Stewart County, TN | 18 | 7.750% | 35.5% |
| Cheatham County, TN | 15 | 7.750% | 20.0% |
| Trigg County, KY | 13 | 7.250% | 34.8% |
| Dickson County, TN | 12 | 7.375% | 25.0% |
| Rutherford County, TN | 11 | 7.500% | 36.8% |
| Sumner County, TN | 10 | 7.625% | 29.4% |
| Wilson County, TN | 9 | Under 10 loans | 25.0% |
| Todd County, KY | 7 | Under 10 loans | 10.0% |
| Giles County, TN | 7 | Under 10 loans | 9.1% |
| Robertson County, TN | 6 | Under 10 loans | 22.2% |
| Williamson County, TN | 6 | Under 10 loans | 22.2% |
| Houston County, TN | 5 | Under 10 loans | 22.2% |
| Shelby County, TN | 5 | Under 10 loans | 33.3% |
| Hopkins County, KY | 4 | Under 10 loans | 0.0% |
| Caldwell County, KY | 3 | Under 10 loans | 25.0% |
| Hardin County, KY | 3 | Under 10 loans | 0.0% |
| Benton County, TN | 3 | Under 10 loans | 0.0% |
| Bradley County, TN | 3 | Under 10 loans | 20.0% |
| Maury County, TN | 3 | Under 10 loans | 0.0% |
| Logan County, KY | 2 | Under 10 loans | 50.0% |
| Warren County, KY | 2 | Under 10 loans | 25.0% |
| Henderson County, TN | 2 | Under 10 loans | 16.7% |
| Jefferson County, AL | 1 | Under 10 loans | 0.0% |
| Limestone County, AL | 1 | Under 10 loans | 0.0% |
| Jefferson County, GA | 1 | Under 10 loans | 0.0% |
| Ware County, GA | 1 | Under 10 loans | 0.0% |
| Anderson County, KY | 1 | Under 10 loans | 0.0% |
| Calloway County, KY | 1 | Under 10 loans | 0.0% |
| Jefferson County, KY | 1 | Under 10 loans | 0.0% |
| McCracken County, KY | 1 | Under 10 loans | 0.0% |
| Meade County, KY | 1 | Under 10 loans | 0.0% |
| Ohio County, KY | 1 | Under 10 loans | 0.0% |
| Harnett County, NC | 1 | Under 10 loans | 50.0% |
| Carroll County, TN | 1 | Under 10 loans | 0.0% |
| Hamilton County, TN | 1 | Under 10 loans | 50.0% |
| Henry County, TN | 1 | Under 10 loans | 0.0% |
| McNairy County, TN | 1 | Under 10 loans | 50.0% |
| Macon County, TN | 1 | Under 10 loans | 0.0% |
| Marshall County, TN | 1 | Under 10 loans | 0.0% |
| Sevier County, TN | 1 | Under 10 loans | 0.0% |
| Smith County, TN | 1 | Under 10 loans | 0.0% |
| Tipton County, TN | 1 | Under 10 loans | 0.0% |
| Union County, TN | 1 | Under 10 loans | 0.0% |
| Wayne County, TN | 1 | Under 10 loans | 50.0% |
| White County, TN | 1 | Under 10 loans | 0.0% |
| Benton County, AR | 0 | Under 10 loans | Not published |
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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.