Old Hickory Credit Union at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the D grade breaks down
Each component is a percentile rank among 412 home-equity (HELOC) lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
36th29.2% deniedPricingmedian rate spread over APOR, weight 30%
1st7.25 ptsProcesswithdrawn + incomplete share, weight 15%
38th14.6%Closing coststotal loan costs ÷ loan amount, weight 10%
47th3.21% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 235 | 164 | 22.1% | 24.1% | 6.50% | $20M |
| 2024 | 206 | 148 | 19.9% | 21.7% | 7.88% | $17M |
| 2025 | 253 | 153 | 24.9% | 29.2% | 7.50% | $20M |
What Old Hickory Credit Union lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 153 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 0 investment properties.
Why Old Hickory Credit Union denies applications
Primary reason reported for each of the 63 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Old Hickory Credit Union
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 28 | 9 | 55.0% |
| $50k – $100k | 85 | 57 | 26.9% |
| $100k – $150k | 56 | 38 | 20.8% |
| $150k – $250k | 40 | 25 | 21.9% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 27 | 15 | 31.8% |
| 35–44 | 59 | 34 | 33.3% |
| 45–54 | 54 | 32 | 33.3% |
| 55–64 | 62 | 43 | 20.4% |
| 65–74 | 38 | 24 | 22.6% |
Where Old Hickory Credit Union lends
2 states and 0 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Tennessee | 248 | 153 | 24.2% | 7.50% | #183 |
Frequently asked questions
Old Hickory Credit Union denied 29.2% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 36th percentile of home-equity (HELOC) lenders.
The most common reason Old Hickory Credit Union gave in 2025 was "debt-to-income ratio", cited on 36.5% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Old Hickory Credit Union originated in 2025 was 7.50%, and its median rate spread over the average prime offer rate was 7.25 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 12% of its applications were for home purchases, 14% for refinancing (including cash-out), and 74% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.