Alcoa Tenn Federal Credit Union in Tennessee vs the state
12.7%Denial rate-4.49 pts vs state
13.4%Decision denial rate-8.30 pts vs state
69.9%Origination rate+11.80 pts vs state
6.07%Median rate-0.55 pts vs state
0.40Rate spread (pts)+0.17 pts vs state
$82kMedian applicant income
116Loans originated
21Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 182 | 138 | 8.8% | 5.98% | #204 |
| 2024 | 137 | 85 | 19.0% | 6.90% | #256 |
| 2025 | 166 | 116 | 12.7% | 6.07% | #238 |
What Alcoa Tenn Federal Credit Union lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most Alcoa Tenn Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Blount County | 128 | 89 | 17 | 13.3% |
| Knox County | 13 | 11 | 0 | 0.0% |
| Loudon County | 10 | 6 | 2 | 20.0% |
| Monroe County | 8 | 4 | 1 | 12.5% |
| Sevier County | 5 | 4 | 1 | 20.0% |
| Anderson County | 1 | 1 | 0 | 0.0% |
| Roane County | 1 | 1 | 0 | 0.0% |
Other large lenders in Tennessee
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 16,503 | 17.3% | 6.50% |
| United Shore Financial Services | B | 12,458 | 10.9% | 6.12% |
| Regions Bank | C | 11,247 | 36.5% | 4.99% |
| Vanderbilt Mortgage and Finance | F | 9,649 | 35.8% | 8.75% |
| Mortgage Research Center | C | 6,568 | 17.3% | 6.25% |
| FirstBank | C | 5,677 | 14.5% | 6.88% |
| CMG Mortgage | A | 5,643 | 2.9% | 6.50% |
| Freedom Mortgage | B | 5,493 | 8.0% | 6.25% |
| Pennymac Loan Services | C | 5,331 | 11.2% | 6.00% |
| Mortgage Investors Group | B | 4,454 | 3.5% | 6.50% |
Frequently asked questions
Tennessee: 166 applications in 2025, of which 116 were originated and 21 denied.
12.7% of all applications, or 13.4% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans Alcoa Tenn Federal Credit Union originated in Tennessee in 2025 was 6.07%, against a statewide median of 6.62%.
About this data. Figures are Alcoa Tenn Federal Credit Union's own HMDA filing for properties located in Tennessee, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology