Applications / Mortgage Analytics / Lenders / Tennessee / Leaders Credit Union
Jackson, TN · Credit union · NCUA · $1.3 billion assets · 1,565 loans in 2025
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1,565
loans originated, 2025
2,356
applications, 2025
13
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Leaders Credit Union is the leading lender in Jackson, TN, and unlike most similar credit unions it makes many government-backed loans, with originations up 17% in 2025.
It ranked 1 of 248 lenders in Jackson, TN, its market since 1993, with a share of 14.8%, down 0.5 points; growth by other lenders there is one possible reason. Its share in Memphis also rose, and it entered Cleveland, Birmingham and Tulsa in 2025.
FHA loans (insured by the Federal Housing Administration) were 15.7% of its loans, VA loans (guaranteed by the Department of Veterans Affairs) 3.8% and RHS loans (guaranteed by the Department of Agriculture's Rural Housing Service) 4.7%; at similar lenders (credit unions making between half and twice as many loans) each was 0.0%. Its higher-priced share (a rate well above the average for similar loans) was 4.7%, against 1.5%; its FHA lending, and manufactured homes at 2.7% of its loans against 0.4%, are possible reasons that could account for most of that difference. Home purchases were 51.1% of its loans.
Its 1,565 originations rose 17% from 1,336, faster than about two-thirds of similar lenders, which grew 9%; the whole market grew 10%.
LMI (low- and moderate-income) areas took 9.3% of its loans, against 15.3% at peers, a lower share than at nearly all of them; LMI borrowers took 23.3%, against 27.0%. The make-up of the Tennessee markets it mainly serves, and its larger typical loan, $155,000 against $115,000, are possible reasons.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Leaders Credit Union took 2,356 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 51.1% · Home improvement 21.9% · Refinance 16.5% · Other 10.5%
Conventional 75.8% · FHA 15.7% · USDA (RHS or FSA) 4.7% · VA 3.8% · of 1,565 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 | 1,505 | 96.2% |
| Mississippi | 30 | 1.9% |
| Arkansas | 9 | 0.6% |
| Kentucky | 7 | 0.4% |
| Alabama | 3 | 0.2% |
| Florida | 3 | 0.2% |
| Texas | 2 | 0.1% |
| Georgia | 1 | 0.1% |
| Missouri | 1 | 0.1% |
| Ohio | 1 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Jackson | 777 |
| Memphis | 362 |
| Nashville-Davidson--Murfreesboro--Franklin | 15 |
| Chattanooga | 3 |
| Knoxville | 3 |
| Clarksville | 2 |
| Fayetteville-Springdale-Rogers | 2 |
| Fort Worth-Arlington-Grapevine | 2 |
| Jonesboro | 2 |
| Birmingham | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900FJRICL380R4T46 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 117391 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 561185 | 1993–2017 |
Established 1 January 1957. Reported under HMDA 1993-2025.
Mergers, name changes, data editions and corrections: Leaders Credit Union's data.
Leaders Credit Union's data
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Leaders Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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