Lender in Tennessee · HMDA 2025
Y-12 Federal Credit Union mortgages in Tennessee
Y-12 Federal Credit Union's 2025 home-purchase and refinance lending in Tennessee, compared with all lenders in the state.
Y-12 Federal Credit Union originated 211 owner-occupied single-family loans in Tennessee from 241 completed applications.
Its median conventional purchase loan costs were $6,310 versus $5,320 for all Tennessee lenders, at a median 30-year fixed rate of 6.625% (Tennessee: 6.624%).
Loans in TN
211
of 241 applications
Denial rate
7.1%
Purchase · TN 7.7%
Rate spread
+0.39 pts
Conv. · TN +0.11 pts
Loan amount
$295,000
Purchase · TN $325,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 126 | 117 | 7.1% | 6.625% | +0.39 pts | $6,310 | $295,000 |
| Refinance | 24 | 20 | 16.7% | — | +0.24 pts | $2,090 | $225,000 |
| Cash-out refinance | 91 | 74 | 18.7% | — | +0.30 pts | $2,440 | $215,000 |
*Conventional loans only; medians with at least 20 loans.
Tennessee counties where Y-12 Federal Credit Union ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Morgan County | 4 | 10 | 5.1% |
| Campbell County | 6 | 21 | 4.1% |
| Anderson County | 8 | 29 | 2.3% |
| Scott County | 10 | 5 | 1.8% |
| Hancock County | 14 | 1 | 2.2% |
| Roane County | 16 | 16 | 1.6% |
| Blount County | 18 | 34 | 1.4% |
| Claiborne County | 24 | 3 | 0.9% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology