TEG Federal Credit Union
TEG Federal Credit Union received 291 applications in 2025 and made 198 mortgages, in 19 counties across 5 states. The median rate its borrowers got was 6.563% on a median loan of $335,000. Of 244 decisions, 38 were denials — 15.6%, most often for debt-to-income ratio.
| Legal Entity Identifier | 254900MWCJLSHMSYCL19 |
|---|---|
| Applications received | 291 |
| Mortgages made | 198 |
| Denied | 38 |
| Approved, not taken up | 8 |
| Withdrawn or incomplete | 47 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.0815 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 | 134 | 6.500% | $390,000 | 4.1% |
| Refinancing | 10 | 6.188% | $345,000 | 15.4% |
| Cash-out refinancing | 25 | 6.875% | $235,000 | 26.5% |
| Other purposes | 29 | 8.750% | $85,000 | 41.2% |
Where TEG Federal Credit Union lends most
The 19 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Dutchess County, NY | 104 | 6.500% | 16.7% |
| Orange County, NY | 41 | 6.750% | 14.3% |
| Ulster County, NY | 18 | 6.625% | 5.3% |
| Putnam County, NY | 10 | 7.000% | 35.3% |
| Westchester County, NY | 9 | Under 10 loans | 10.0% |
| Columbia County, NY | 2 | Under 10 loans | 0.0% |
| Greene County, NY | 2 | Under 10 loans | 0.0% |
| Rockland County, NY | 2 | Under 10 loans | 0.0% |
| Western Connecticut Planning Region, CT | 1 | Under 10 loans | 0.0% |
| Indian River County, FL | 1 | Under 10 loans | 0.0% |
| Sumter County, FL | 1 | Under 10 loans | 0.0% |
| Walton County, FL | 1 | Under 10 loans | 0.0% |
| Union County, NJ | 1 | Under 10 loans | 0.0% |
| Delaware County, NY | 1 | Under 10 loans | 0.0% |
| Saratoga County, NY | 1 | Under 10 loans | 0.0% |
| Suffolk County, NY | 1 | Under 10 loans | 0.0% |
| Warren County, NY | 1 | Under 10 loans | 0.0% |
| Mercer County, PA | 1 | Under 10 loans | 0.0% |
| Broward County, FL | 0 | Under 10 loans | 100.0% |
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When TEG 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.