Applications / Mortgage Analytics / Lenders / Tennessee / Y-12 Federal Credit Union
Oak Ridge, TN · Credit union · NCUA · $2.7 billion assets · 988 loans in 2025
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988
loans originated, 2025
1,686
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Y-12 Federal Credit Union is an east Tennessee credit union ranked 10 of 599 lenders in Knoxville, and its 988 originations in 2025 fell 21% while similar credit unions grew.
Its originations fell 21% from 1,252, while similar lenders (credit unions making between half and twice as many loans) grew 9% and the whole market 10%; its growth was lower than nearly all of them. Dollar volume still rose to $193.3 million from $180.1 million, as its typical loan rose to $115,000 from $95,000.
Its Knoxville share fell to 1.9% from 2.3%; Mortgage Investors Group leads there. Its lower loan count may account for that. In Johnson City its share rose to 1.1% from 0.0%, ranking 22 of 287; it merged with First State Bank of the Southeast in 2025, whose filings count as its own in these figures, which may explain part of the rise.
Home improvement was 33.3% of its loans, refinance 31.8%, home purchase 21.6% and other purposes 13.4%. Loans in low- and moderate-income (LMI) areas were 18.6%, higher than about three in four similar lenders (15.0%), and LMI borrowers took 26.4%, near their 27.8%. Majority-minority areas took 1.1%, against 10.6%, which may reflect the population of the markets it serves.
It turned down 20.0% of refinance applications, close to similar lenders' 20.3%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Y-12 Federal Credit Union took 1,686 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 33.3% · Refinance 31.8% · Purchase 21.6% · Other 13.4%
Conventional 100.0% · of 988 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 | 965 | 97.7% |
| Kentucky | 22 | 2.2% |
| Florida | 1 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Knoxville | 838 |
| Morristown | 12 |
| Johnson City | 6 |
| Chattanooga | 3 |
| Nashville-Davidson--Murfreesboro--Franklin | 2 |
| Cleveland | 1 |
| Deltona-Daytona Beach-Ormond Beach | 1 |
| Kingsport-Bristol | 1 |
| Lexington-Fayette | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493004NO7XCFVG4KD53 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 940786 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 56775 | 1990–2017 |
Established 1 January 1950. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Y-12 Federal Credit Union's data.
Y-12 Federal Credit Union's data
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