Tennessee Valley FCU in Alabama vs the state
20.8%Denial rate+0.98 pts vs state
23.8%Decision denial rate-1.19 pts vs state
66.7%Origination rate+11.28 pts vs state
6.36%Median rate-0.14 pts vs state
0.25Rate spread (pts)-0.04 pts vs state
$100kMedian applicant income
16Loans originated
5Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 27 | 18 | 7.4% | 6.79% | #346 |
| 2024 | 25 | 19 | 20.0% | 7.13% | #362 |
| 2025 | 24 | 16 | 20.8% | 6.36% | #380 |
What Tennessee Valley FCU lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most Tennessee Valley FCU applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jackson County | 10 | 6 | 3 | 30.0% |
| DeKalb County | 8 | 5 | 2 | 25.0% |
| Madison County | 2 | 1 | 0 | 0.0% |
| Baldwin County | 2 | 2 | 0 | 0.0% |
| Limestone County | 2 | 2 | 0 | 0.0% |
Other large lenders in Alabama
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Regions Bank | C | 11,871 | 37.2% | 4.99% |
| Rocket Mortgage | C | 9,941 | 20.5% | 6.63% |
| Vanderbilt Mortgage and Finance | F | 8,461 | 41.4% | 9.50% |
| United Shore Financial Services | B | 7,689 | 12.0% | 6.13% |
| 21st Mortgage | F | 6,507 | 46.0% | 9.98% |
| Mortgage Research Center | C | 5,107 | 18.4% | 6.25% |
| REDSTONE Federal Credit Union | C | 4,548 | 18.9% | 8.13% |
| Dhi Mortgage Company | B | 3,909 | 17.5% | 4.99% |
| Freedom Mortgage | B | 3,725 | 8.7% | 6.25% |
| Pennymac Loan Services | C | 3,611 | 11.6% | 6.25% |
Frequently asked questions
Alabama: 24 applications in 2025, of which 16 were originated and 5 denied.
20.8% of all applications, or 23.8% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans Tennessee Valley FCU originated in Alabama in 2025 was 6.36%, against a statewide median of 6.50%.
About this data. Figures are Tennessee Valley FCU's own HMDA filing for properties located in Alabama, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology