Applications / Mortgage Analytics / Lenders / Tennessee / ORNL Federal Credit Union / Competition
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
Who ORNL Federal Credit Union competes with, by dollars lent in 2025, in its five largest markets and the three it entered most recently. A Pareto chart puts the lenders in order of size and draws their running share, so the reader sees how concentrated each market is: where the line climbs steeply, a few lenders hold most of it.
FIG. 1 — KNOXVILLE, TN, 2025
ORNL Federal Credit Union ranks 4th of 599 lenders in Knoxville, TN, with $227.7M lent: 2.8% of a $8.06B market.
Knoxville, TN is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and ORNL Federal Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 35% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 2 — NON-METRO TENNESSEE, 2025
ORNL Federal Credit Union ranks 75th of 746 lenders in non-metro Tennessee, with $24.3M lent: 0.3% of a $8.31B market.
non-metro Tennessee is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and ORNL Federal Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 32% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 3 — MORRISTOWN, TN, 2025
ORNL Federal Credit Union ranks 9th of 268 lenders in Morristown, TN, with $17.2M lent: 2.2% of a $784.1M market.
Morristown, TN is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and ORNL Federal Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 41% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 4 — NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN, 2025
ORNL Federal Credit Union ranks 527th of 821 lenders in Nashville-Davidson--Murfreesboro--Franklin, TN, with $1.3M lent: 0.0% of a $24.04B market.
Nashville-Davidson--Murfreesboro--Franklin, TN is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and ORNL Federal Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 28% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 5 — CHATTANOOGA, GA-TN, 2025
ORNL Federal Credit Union ranks 291st of 525 lenders in Chattanooga, GA-TN, with $840K lent: 0.0% of a $4.21B market.
Chattanooga, GA-TN is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and ORNL Federal Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 37% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 6 — CAPE CORAL-FORT MYERS, FL, 2025
ORNL Federal Credit Union ranks 546th of 798 lenders in Cape Coral-Fort Myers, FL, with $555K lent: 0.0% of a $7.41B market.
Cape Coral-Fort Myers, FL is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and ORNL Federal Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 38% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 7 — COLUMBUS, AL-GA, 2025
ORNL Federal Credit Union ranks 178th of 318 lenders in Columbus, AL-GA, with $505K lent: 0.0% of a $1.54B market.
Columbus, AL-GA is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and ORNL Federal Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 51% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 8 — JOHNSON CITY, TN, 2025
ORNL Federal Credit Union ranks 157th of 287 lenders in Johnson City, TN, with $575K lent: 0.0% of a $1.25B market.
Johnson City, TN is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and ORNL Federal Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 47% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
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