Lender in Tennessee · HMDA 2025
Tennessee Valley FCU mortgages in Tennessee
Tennessee Valley FCU's 2025 home-purchase and refinance lending in Tennessee, compared with all lenders in the state.
Tennessee Valley FCU originated 467 owner-occupied single-family loans in Tennessee from 584 completed applications.
Its median conventional purchase loan costs were $5,970 versus $5,320 for all Tennessee lenders, at a median 30-year fixed rate of 6.375% (Tennessee: 6.624%).
Loans in TN
467
of 584 applications
Denial rate
12.2%
Purchase · TN 7.7%
Rate spread
−0.10 pts
Conv. · TN +0.11 pts
Loan amount
$305,000
Purchase · TN $325,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 369 | 323 | 12.2% | 6.375% | −0.10 pts | $5,970 | $305,000 |
| Refinance | 48 | 33 | 29.2% | — | −0.12 pts | $5,970 | $305,000 |
| Cash-out refinance | 167 | 111 | 30.5% | 6.500% | +0.09 pts | $4,330 | $195,000 |
*Conventional loans only; medians with at least 20 loans.
Tennessee counties where Tennessee Valley FCU ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Hamilton County | 2 | 304 | 5.3% |
| Sequatchie County | 4 | 10 | 4.1% |
| Polk County | 4 | 9 | 4.8% |
| Rhea County | 5 | 20 | 4.4% |
| Meigs County | 5 | 6 | 4.3% |
| Marion County | 6 | 18 | 4.1% |
| Bradley County | 8 | 52 | 3.1% |
| McMinn County | 10 | 19 | 2.4% |
| Grundy County | 18 | 2 | 1.3% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology