Jefferson Credit Union
Jefferson Credit Union received 18 applications in 2025 and made 15 mortgages, in 3 counties across 1 state. The median rate its borrowers got was 7.500% on a median loan of $65,000. Of 17 decisions, 2 were denials — 11.8%, most often for collateral.
| Legal Entity Identifier | 2549008W3O3PXWF90U35 |
|---|---|
| Applications received | 18 |
| Mortgages made | 15 |
| Denied | 2 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 1 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| 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 | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Cash-out refinancing | 10 | 9.125% | $55,000 | 0.0% |
| Other purposes | 1 | Under 10 loans | Under 10 loans | 0.0% |
Where Jefferson 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 |
|---|---|---|---|
| Jefferson County, AL | 13 | 7.100% | 13.3% |
| Cullman County, AL | 1 | Under 10 loans | 0.0% |
| Tallapoosa County, AL | 1 | Under 10 loans | 0.0% |
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When Jefferson 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.