Telco Community Credit Union
Telco Community Credit Union received 167 applications in 2025 and made 139 mortgages, in 17 counties across 3 states. The median rate its borrowers got was 7.000% on a median loan of $135,000. Of 152 decisions, 4 were denials — 2.6%, most often for other. 1 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 254900R0GC9CW77VXE28 |
|---|---|
| Applications received | 167 |
| Mortgages made | 139 |
| Denied | 4 |
| Approved, not taken up | 9 |
| Withdrawn or incomplete | 15 |
| Loans bought from other lenders | 7 |
| Median rate spread over the prime offer rate | 2.0325 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 | 26 | 6.075% | $260,000 | 0.0% |
| Refinancing | 24 | 6.685% | $155,000 | 0.0% |
| Cash-out refinancing | 88 | 7.250% | $100,000 | 4.1% |
| Other purposes | 1 | Under 10 loans | Under 10 loans | 0.0% |
Where Telco Community Credit Union lends most
The 17 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Buncombe County, NC | 64 | 6.750% | 4.2% |
| Henderson County, NC | 18 | 7.000% | 0.0% |
| Burke County, NC | 13 | 7.250% | 0.0% |
| Madison County, NC | 10 | 7.500% | 0.0% |
| Haywood County, NC | 7 | Under 10 loans | 0.0% |
| Catawba County, NC | 6 | Under 10 loans | 0.0% |
| Transylvania County, NC | 6 | Under 10 loans | 14.3% |
| Caldwell County, NC | 5 | Under 10 loans | 0.0% |
| Rutherford County, NC | 2 | Under 10 loans | 0.0% |
| Yancey County, NC | 2 | Under 10 loans | 0.0% |
| Spartanburg County, SC | 2 | Under 10 loans | 0.0% |
| Alexander County, NC | 1 | Under 10 loans | 0.0% |
| McDowell County, NC | 1 | Under 10 loans | 0.0% |
| Watauga County, NC | 1 | Under 10 loans | 0.0% |
| Jefferson County, TN | 1 | Under 10 loans | 0.0% |
| Mecklenburg County, NC | 0 | Under 10 loans | 0.0% |
| Polk County, NC | 0 | Under 10 loans | Not published |
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When Telco Community 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.