Applications / Mortgage Analytics / Lenders / Tennessee / Knoxville TVA Employees Credit Union
Knoxville, TN · Credit union · NCUA · $5.1 billion assets · 1,809 loans in 2025
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1,809
loans originated, 2025
2,271
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Knoxville TVA Employees Credit Union is a Tennessee credit union lending mainly for refinancing and home improvement, whose originations grew from 1,201 to 1,809 over five years and whose share rose in Morristown.
Refinances made up 32.8% of its loans, home improvement 32.5%, other purposes 21.2% and home purchases 13.5%. All of it, 100.0%, was conventional, as at most similar lenders (credit unions making between half and twice as many loans). Its typical loan was $105,000, against $115,000 at peers.
Its typical rate was 5.99%, against 7.00% at similar lenders, lower than nearly nine in ten of them. Its refinance denial rate was 9.0%, against 19.5%, and its home-purchase denial rate 3.3%, against 6.2%.
LMI (low- and moderate-income) borrowers took 32.2% of its loans, against 26.9% at similar lenders, higher than about three in four of them and up from 23.7% five years before.
Originations rose 3% to 1,809, while similar lenders grew 10% and the whole market 10%; its growth was lower than about three in four of them. Over five years it grew from 1,201 loans. In Knoxville it ranked 9 of 599 lenders with a 1.9% share, unchanged. In Morristown it ranked 3 of 268, its share rising 0.5 points to 5.8%, behind Rocket Mortgage and United Wholesale Mortgage.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Knoxville TVA Employees Credit Union took 2,271 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 32.8% · Home improvement 32.5% · Other 21.2% · Purchase 13.5%
Conventional 100.0% · of 1,809 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Tennessee | 1,808 | 99.9% |
| Virginia | 1 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Knoxville | 1,136 |
| Morristown | 366 |
| Kingsport-Bristol | 55 |
| Johnson City | 26 |
| Chattanooga | 7 |
| Nashville-Davidson--Murfreesboro--Franklin | 7 |
| Cleveland | 3 |
| Memphis | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 54930074H8866HTIWU69 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 456492 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 568085 | 1994–2017 |
Established 1 January 1934. Reported under HMDA 1994-2025.
Mergers, name changes, data editions and corrections: Knoxville TVA Employees Credit Union's data.
Knoxville TVA Employees Credit Union's data
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