Applications / Mortgage Analytics / Lenders / Tennessee / Tennessee Valley Federal Credit Union
Chattanooga, TN · Credit union · NCUA · $3.1 billion assets · 1,392 loans in 2025
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1,392
loans originated, 2025
2,493
applications, 2025
15
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Tennessee Valley Federal Credit Union ranks second among lenders in Chattanooga, GA-TN and gained share there, with a broad mix in which home-improvement loans make up 25.1% of its lending.
It ranks 2 of 525 lenders in Chattanooga, GA-TN, a market it has served since before 1990, behind Rocket Mortgage and ahead of FirstBank. Its share of lending dollars rose from 4.3% to 4.8%. In Dalton, GA it ranks 7 of 234, with its share up from 1.8% to 2.6%.
Home purchase made up 38.2% of its loans, home improvement 25.1%, refinance 23.3% and other purposes 13.4%. Nearly all, 99.1%, were conventional, as at similar lenders (credit unions making between half and twice as many loans).
It made 1,392 loans, 6% more than the year before, near the middle of similar lenders, whose count grew 8%. Its dollar total rose more, from $223.6 million to $282.2 million, as its typical loan grew from $115,000 to $155,000, higher than about three-quarters of similar lenders. Since 2018 its yearly count has ranged from 818 to a peak of 1,999 in 2022.
Its typical rate, 6.59%, was lower than at about two-thirds of similar lenders, whose typical rate was 7.00%, and down from 8.50% a year earlier. Loans in low- and moderate-income areas were 17.3%, against 14.9% at similar lenders, higher than about seven in ten of them.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Tennessee Valley Federal Credit Union took 2,493 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 38.2% · Home improvement 25.1% · Refinance 23.3% · Other 13.4%
Conventional 99.1% · VA 0.9% · of 1,392 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 | 1,012 | 72.7% |
| Georgia | 346 | 24.9% |
| Alabama | 16 | 1.1% |
| Florida | 5 | 0.4% |
| Kentucky | 2 | 0.1% |
| South Carolina | 2 | 0.1% |
| Colorado | 1 | 0.1% |
| Indiana | 1 | 0.1% |
| Kansas | 1 | 0.1% |
| Missouri | 1 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Chattanooga | 1,007 |
| Cleveland | 133 |
| Dalton | 64 |
| Nashville-Davidson--Murfreesboro--Franklin | 20 |
| Knoxville | 8 |
| Huntsville | 3 |
| Columbia | 2 |
| Daphne-Fairhope-Foley | 2 |
| Kansas City | 2 |
| Marietta | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493007669OVCSCATP45 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 426374 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 51520 | 1990–2017 |
Established 1 January 1936. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Tennessee Valley Federal Credit Union's data.
Tennessee Valley Federal Credit Union's data
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Tennessee Valley 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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