CHEVRON Federal Credit Union in Tennessee vs the state
27.3%Denial rate+10.13 pts vs state
33.3%Decision denial rate+11.65 pts vs state
54.6%Origination rate-3.53 pts vs state
6.88%Median rate+0.25 pts vs state
0.31Rate spread (pts)+0.08 pts vs state
$148kMedian applicant income
12Loans originated
6Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 11 | 7 | 18.2% | 8.25% | #592 |
| 2024 | 10 | 10 | 0.0% | 6.56% | #596 |
| 2025 | 22 | 12 | 27.3% | 6.88% | #520 |
What CHEVRON Federal Credit Union lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most CHEVRON Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Blount County | 4 | 2 | 1 | 25.0% |
| Davidson County | 4 | 2 | 1 | 25.0% |
| Montgomery County | 2 | 1 | 1 | 50.0% |
| Sumner County | 2 | 2 | 0 | 0.0% |
| Knox County | 2 | 0 | 0 | 0.0% |
| Rutherford County | 1 | 1 | 0 | 0.0% |
| Cocke County | 1 | 1 | 0 | 0.0% |
| Williamson County | 1 | 1 | 0 | 0.0% |
| Shelby County | 1 | 1 | 0 | 0.0% |
| Monroe County | 1 | 0 | 1 | 100.0% |
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: 22 applications in 2025, of which 12 were originated and 6 denied.
27.3% of all applications, or 33.3% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans CHEVRON Federal Credit Union originated in Tennessee in 2025 was 6.88%, against a statewide median of 6.62%.
About this data. Figures are CHEVRON 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