Tennessee Valley FCU in Tennessee vs the state
22.3%Denial rate+5.16 pts vs state
27.8%Decision denial rate+6.14 pts vs state
56.6%Origination rate-1.51 pts vs state
6.72%Median rate+0.09 pts vs state
0.43Rate spread (pts)+0.20 pts vs state
$95kMedian applicant income
1,012Loans originated
399Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,770 | 1,016 | 20.7% | 8.00% | #34 |
| 2024 | 1,730 | 964 | 24.5% | 8.50% | #40 |
| 2025 | 1,789 | 1,012 | 22.3% | 6.72% | #41 |
What Tennessee Valley FCU lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most Tennessee Valley FCU applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hamilton County | 1,184 | 678 | 250 | 21.1% |
| Bradley County | 212 | 118 | 49 | 23.1% |
| Rhea County | 77 | 41 | 23 | 29.9% |
| Marion County | 68 | 36 | 11 | 16.2% |
| McMinn County | 65 | 36 | 19 | 29.2% |
| Sequatchie County | 38 | 25 | 6 | 15.8% |
| Polk County | 26 | 15 | 8 | 30.8% |
| Meigs County | 22 | 10 | 8 | 36.4% |
| Bledsoe County | 14 | 6 | 6 | 42.9% |
| Davidson County | 12 | 8 | 1 | 8.3% |
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: 1,789 applications in 2025, of which 1,012 were originated and 399 denied.
22.3% of all applications, or 27.8% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans Tennessee Valley FCU originated in Tennessee in 2025 was 6.72%, against a statewide median of 6.62%.
About this data. Figures are Tennessee Valley FCU'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