Y-12 Federal Credit Union in Tennessee vs the state
30.6%Denial rate+13.49 pts vs state
33.8%Decision denial rate+12.10 pts vs state
59.2%Origination rate+1.16 pts vs state
7.25%Median rate+0.63 pts vs state
0.26Rate spread (pts)+0.03 pts vs state
$100kMedian applicant income
965Loans originated
499Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,694 | 1,175 | 22.1% | 7.49% | #37 |
| 2024 | 1,800 | 1,252 | 18.7% | 8.25% | #39 |
| 2025 | 1,629 | 965 | 30.6% | 7.25% | #45 |
What Y-12 Federal Credit Union lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most Y-12 Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Knox County | 529 | 330 | 147 | 27.8% |
| Anderson County | 259 | 145 | 82 | 31.7% |
| Blount County | 238 | 151 | 65 | 27.3% |
| Campbell County | 121 | 64 | 45 | 37.2% |
| Roane County | 115 | 66 | 36 | 31.3% |
| Sevier County | 76 | 50 | 20 | 26.3% |
| Loudon County | 64 | 43 | 14 | 21.9% |
| Morgan County | 41 | 27 | 13 | 31.7% |
| Claiborne County | 27 | 11 | 14 | 51.9% |
| Monroe County | 23 | 11 | 11 | 47.8% |
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: 1,629 applications in 2025, of which 965 were originated and 499 denied.
30.6% of all applications, or 33.8% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans Y-12 Federal Credit Union originated in Tennessee in 2025 was 7.25%, against a statewide median of 6.62%.
About this data. Figures are Y-12 Federal 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