This paper addresses the challenge of modeling distributed tendon tensions and friction losses in tendon-driven continuum manipulators, with a particular focus on cardiac ablation catheters. Tendon compliance and friction between the tendons and the inner channels of the catheter's sheath introduce several undesired effects, such as motion history-dependent frictional dynamics (friction hysteresis) and non-uniform tension profiles along the catheter's backbone. These factors adversely affect model prediction accuracy, motion precision, and control performance. To tackle these issues, we employ Cosserat theory to model the dynamics of tendon-driven ablation catheters, and incorporate the LuGre friction model and tendon compliance into the nonlinear partial differential equations (PDEs) that govern catheter behavior. We present a comprehensive framework for simulating catheter dynamics, including geometrically exact calculations of dynamic friction, along with associated tendon tensions as functions of arc length, without relying on prior assumptions about the model states. In actuation-based experiments, our friction model achieved a 38.89% improvement in distal end positioning prediction over the frictionless model. Validation through simulation and empirical experiments demonstrates that our model effectively replicates the complex, motion history-dependent frictional dynamics observed during the loading and unloading actuation phases that are inherent to the class of tendon-driven robotic systems.