Lender in Tennessee · HMDA 2025
Navy Federal Credit Union mortgages in Tennessee
Navy Federal Credit Union's 2025 home-purchase and refinance lending in Tennessee, compared with all lenders in the state.
Navy Federal Credit Union originated 933 owner-occupied single-family loans in Tennessee from 1,112 completed applications, making it the state's #23 lender by volume.
Its median conventional purchase loan costs were $3,710 versus $5,320 for all Tennessee lenders, at a median 30-year fixed rate of 6.625% (Tennessee: 6.624%).
Loans in TN
933
of 1,112 applications
Denial rate
8.9%
Purchase · TN 7.7%
Rate spread
−0.09 pts
Conv. · TN +0.11 pts
Loan amount
$325,000
Purchase · TN $325,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 813 | 732 | 8.9% | 6.625% | −0.09 pts | $3,710 | $325,000 |
| Refinance | 108 | 78 | 25.0% | — | −0.40 pts | $2,610 | $315,000 |
| Cash-out refinance | 191 | 123 | 34.5% | — | −0.02 pts | $2,060 | $325,000 |
*Conventional loans only; medians with at least 20 loans.
Tennessee counties where Navy Federal Credit Union ranks in the top 25
Showing the 30 counties where it ranks highest, of 40.
| County | Rank | Loans | Market share |
|---|---|---|---|
| Perry County | 5 | 2 | 2.7% |
| Meigs County | 6 | 5 | 3.6% |
| Marion County | 8 | 11 | 2.5% |
| Tipton County | 10 | 24 | 2.7% |
| Houston County | 10 | 3 | 2.2% |
| Pickett County | 10 | 1 | 2.4% |
| Henry County | 12 | 6 | 1.4% |
| Overton County | 12 | 6 | 2.2% |
| Montgomery County | 13 | 120 | 2.0% |
| Cumberland County | 13 | 15 | 1.7% |
| Shelby County | 15 | 143 | 1.7% |
| White County | 15 | 7 | 1.7% |
| Dyer County | 15 | 5 | 1.3% |
| Madison County | 16 | 15 | 1.3% |
| Warren County | 16 | 9 | 1.6% |
| Crockett County | 16 | 3 | 1.7% |
| Moore County | 16 | 2 | 1.6% |
| Fayette County | 17 | 13 | 1.6% |
| Coffee County | 17 | 9 | 0.9% |
| Hardin County | 17 | 3 | 0.9% |
| Clay County | 17 | 1 | 1.5% |
| Giles County | 18 | 5 | 1.0% |
| Humphreys County | 18 | 4 | 1.3% |
| Loudon County | 19 | 14 | 1.2% |
| Greene County | 19 | 10 | 1.1% |
| Cheatham County | 21 | 9 | 1.1% |
| Gibson County | 21 | 6 | 0.8% |
| Rhea County | 21 | 5 | 1.1% |
| Chester County | 21 | 2 | 0.9% |
| Trousdale County | 21 | 2 | 1.1% |
- Navy Federal Credit Union nationwide
- Tennessee mortgage market
- Navy Federal Credit Union in Florida
- Navy Federal Credit Union in Virginia
- Navy Federal Credit Union in Texas
- Navy Federal Credit Union in North Carolina
- Navy Federal Credit Union in Georgia
- Navy Federal Credit Union in Maryland
- Navy Federal Credit Union in California
- Navy Federal Credit Union in South Carolina
- Navy Federal Credit Union in Pennsylvania
- Navy Federal Credit Union in Ohio
- Navy Federal Credit Union in Washington
- Navy Federal Credit Union in Alabama
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology