Applications / Mortgage Analytics / Lenders / Tennessee / ORNL Federal Credit Union
Oak Ridge, TN · Credit union · NCUA · $4.7 billion assets · 1,116 loans in 2025
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1,116
loans originated, 2025
2,074
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
ORNL Federal Credit Union is a Tennessee credit union, fourth of 599 lenders in Knoxville, whose originations fell in 2025 while similar lenders and the whole market grew.
Originations fell 19% to 1,116, while similar lenders (credit unions making between half and twice as many loans) rose 8% and the whole market 10%; few peers had a larger fall. Its lending was split almost evenly between purchases (35.8%), refinancing (33.4%) and home improvement (30.8%). It made 2,349 loans in 2021.
It ranked 4 of 599 in Knoxville, where it has lent since before 1990, behind Mortgage Investors Group, United Wholesale Mortgage and Rocket Mortgage; its share fell 0.9 points to 2.8%. In Morristown it fell 0.5 points to 2.2%, ranking 9 of 268. Its smaller number of loans and competitors' growth are possible reasons.
Its typical loan was $165,000, against $105,000 at peers, and jumbo loans (larger than the conforming limit) were 4.3%, against 1.0%. All its loans were conventional. It denied 6.3% of first-lien home-purchase applications, about the same as peers' 6.2%.
LMI (low- and moderate-income) borrowers took 24.9% of its loans, up from 19.8% a year before, against 27.3% at peers; its larger typical loan may be one reason it remains below them. Majority-minority areas took 1.2%, lower than most peers (10.2%), which may reflect its markets, led by Knoxville and non-metro Tennessee.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. ORNL Federal Credit Union took 2,074 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 35.8% · Refinance 33.4% · Home improvement 30.8%
Conventional 100.0% · of 1,116 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 | 1,114 | 99.8% |
| Florida | 1 | 0.1% |
| Georgia | 1 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Knoxville | 912 |
| Morristown | 64 |
| Nashville-Davidson--Murfreesboro--Franklin | 4 |
| Cleveland | 3 |
| Johnson City | 3 |
| Chattanooga | 2 |
| Cape Coral-Fort Myers | 1 |
| Columbus | 1 |
| Kingsport-Bristol | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300K6L4VXCXWN4205 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 825379 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 55797 | 1990–2017 |
Established 1 January 1948. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: ORNL Federal Credit Union's data.
ORNL Federal Credit Union's data
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ORNL Federal 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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