Knoxville Tva Employees Credit Union in Tennessee vs the state
4.6%Denial rate-12.56 pts vs state
5.1%Decision denial rate-16.54 pts vs state
79.7%Origination rate+21.60 pts vs state
5.99%Median rate-0.63 pts vs state
0.24Rate spread (pts)+0.01 pts vs state
$91kMedian applicant income
1,808Loans originated
104Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,715 | 1,339 | 6.7% | 8.00% | #35 |
| 2024 | 2,221 | 1,755 | 5.8% | 6.24% | #31 |
| 2025 | 2,269 | 1,808 | 4.6% | 5.99% | #33 |
What Knoxville 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 Knoxville Tva Employees Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Knox County | 880 | 699 | 42 | 4.8% |
| Hamblen County | 266 | 220 | 16 | 6.0% |
| Blount County | 208 | 166 | 8 | 3.8% |
| Jefferson County | 179 | 146 | 6 | 3.4% |
| Sevier County | 153 | 118 | 4 | 2.6% |
| Roane County | 86 | 65 | 4 | 4.7% |
| Loudon County | 81 | 62 | 4 | 4.9% |
| Anderson County | 58 | 48 | 3 | 5.2% |
| Sullivan County | 52 | 36 | 5 | 9.6% |
| Grainger County | 52 | 48 | 1 | 1.9% |
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: 2,269 applications in 2025, of which 1,808 were originated and 104 denied.
4.6% of all applications, or 5.1% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans Knoxville Tva Employees Credit Union originated in Tennessee in 2025 was 5.99%, against a statewide median of 6.62%.
About this data. Figures are Knoxville 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