Applications / Mortgage Analytics / Lenders / Tennessee / Alcoa Tenn Federal Credit Union
Alcoa, TN · Credit union · NCUA · $414 million assets · 116 loans in 2025
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116
loans originated, 2025
166
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Alcoa Tenn Federal Credit Union lends to low- and moderate-income borrowers more than about nine in ten similar credit unions do, and its loans rose 36% in 2025.
Low- and moderate-income (LMI) borrowers took 46.1% of its loans, against 29.3% at similar lenders (credit unions making between half and twice as many loans), up from 34.3% five years earlier. Poorer neighborhoods took 12.1%, against 17.2%, and majority-minority neighborhoods none, against 9.4%. It lends in one metro and seven counties, which may hold few such neighborhoods; where its members live may also matter.
Refinancing made up 73.3% of its loans and purchases the other 26.7%. Every loan was conventional. Its typical loan, $150,000, was larger than at about four in five similar lenders, where it was $105,000.
It made 116 loans, up from 85, while similar lenders grew 8%; its rise was faster than at about three in four of them. That is still well below the 224 of 2018.
It has lent in Knoxville, TN since at least 1990 and ranks 77 of 599 lenders there. Its share rose from 0.2% to 0.3%. Mortgage Investors Group leads the market.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Alcoa Tenn Federal Credit Union took 166 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 73.3% · Purchase 26.7%
Conventional 100.0% · of 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 | 116 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Knoxville | 108 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300DV2WBWN5ZEMV06 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 513377 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 51509 | 1990–2017 |
Established 1 January 1936. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Alcoa Tenn Federal Credit Union's data.
Alcoa Tenn Federal Credit Union's data
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Alcoa Tenn 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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