Lender in Tennessee · HMDA 2025
Leaders Credit Union mortgages in Tennessee
Leaders Credit Union's 2025 home-purchase and refinance lending in Tennessee, compared with all lenders in the state.
Leaders Credit Union originated 869 owner-occupied single-family loans in Tennessee from 1,031 completed applications.
Its median conventional purchase loan costs were $0 versus $5,320 for all Tennessee lenders, at a median 30-year fixed rate of 6.625% (Tennessee: 6.624%).
Loans in TN
869
of 1,031 applications
Denial rate
12.8%
Purchase · TN 7.7%
Rate spread
+0.10 pts
Conv. · TN +0.11 pts
Loan amount
$225,000
Purchase · TN $325,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 787 | 683 | 12.8% | 6.625% | +0.10 pts | $0 | $225,000 |
| Refinance | 221 | 179 | 18.1% | 6.625% | +0.31 pts | $2,950 | $235,000 |
| Cash-out refinance | 23 | 7 | 69.6% | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
Tennessee counties where Leaders Credit Union ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Madison County | 1 | 245 | 20.8% |
| Gibson County | 1 | 114 | 15.9% |
| Dyer County | 1 | 67 | 16.8% |
| Obion County | 1 | 43 | 13.5% |
| Chester County | 1 | 28 | 12.5% |
| Crockett County | 1 | 28 | 15.8% |
| Lake County | 1 | 11 | 22.4% |
| Lauderdale County | 2 | 15 | 7.2% |
| Tipton County | 3 | 73 | 8.2% |
| Henderson County | 4 | 16 | 5.6% |
| Haywood County | 6 | 7 | 4.5% |
| Fayette County | 7 | 26 | 3.1% |
| Decatur County | 7 | 4 | 3.0% |
| Weakley County | 8 | 13 | 4.0% |
| Carroll County | 9 | 9 | 2.4% |
| Hardeman County | 9 | 5 | 2.8% |
| McNairy County | 11 | 9 | 3.0% |
| Henry County | 15 | 4 | 0.9% |
| Shelby County | 17 | 134 | 1.6% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology