Telcoe Federal Credit Union at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the A grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
77th4.2% deniedPricingmedian rate spread over APOR, weight 30%
71st0.11 ptsProcesswithdrawn + incomplete share, weight 15%
72nd7.0%Closing coststotal loan costs ÷ loan amount, weight 10%
37th2.27% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 86 | 76 | 7.0% | 7.3% | 6.56% | $16M |
| 2024 | 95 | 80 | 4.2% | 4.8% | 6.38% | $21M |
| 2025 | 129 | 115 | 3.9% | 4.2% | 6.00% | $26M |
What Telcoe Federal Credit Union lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 14 investment properties.
Why Telcoe Federal Credit Union denies applications
Primary reason reported for each of the 5 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Telcoe Federal Credit Union
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 43 | 39 | 4.9% |
| $100k – $150k | 30 | 28 | 3.5% |
| $150k – $250k | 37 | 31 | 3.1% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 25 | 24 | 4.0% |
| 35–44 | 20 | 18 | 5.3% |
| 45–54 | 33 | 29 | 0.0% |
| 55–64 | 20 | 19 | 0.0% |
| 65–74 | 22 | 17 | 15.0% |
Where Telcoe Federal Credit Union lends
5 states and 32 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Arkansas | 124 | 110 | 4.0% | 6.06% | #138 |
Frequently asked questions
Telcoe Federal Credit Union denied 4.2% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 77th percentile of small mortgage lenders.
The most common reason Telcoe Federal Credit Union gave in 2025 was "credit history", cited on 60.0% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Telcoe Federal Credit Union originated in 2025 was 6.00%, and its median rate spread over the average prime offer rate was 0.11 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 60% of its applications were for home purchases, 33% for refinancing (including cash-out), and 6% for home improvement or other purposes. By loan type: 90% conventional, 8% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.