Johnsonville Tva Employees Credit Union in Tennessee vs the state
56.8%Denial rate+39.68 pts vs state
58.1%Decision denial rate+36.46 pts vs state
40.9%Origination rate-17.17 pts vs state
7.13%Median rate+0.50 pts vs state
1.16Rate spread (pts)+0.93 pts vs state
$70kMedian applicant income
18Loans originated
25Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 28 | 25 | 7.1% | 7.62% | #469 |
| 2024 | 24 | 20 | 16.7% | 7.34% | #496 |
| 2025 | 44 | 18 | 56.8% | 7.13% | #428 |
What Johnsonville Tva Employees Credit Union lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most Johnsonville Tva Employees Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Benton County | 19 | 10 | 9 | 47.4% |
| Carroll County | 10 | 2 | 8 | 80.0% |
| Houston County | 5 | 0 | 5 | 100.0% |
| Humphreys County | 3 | 3 | 0 | 0.0% |
| Dickson County | 3 | 1 | 2 | 66.7% |
| Madison County | 1 | 0 | 0 | 0.0% |
| Decatur County | 1 | 1 | 0 | 0.0% |
| Henry 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: 44 applications in 2025, of which 18 were originated and 25 denied.
56.8% of all applications, or 58.1% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans Johnsonville Tva Employees Credit Union originated in Tennessee in 2025 was 7.13%, against a statewide median of 6.62%.
About this data. Figures are Johnsonville Tva Employees 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