Applications / Mortgage Analytics / Lenders / Tennessee / Appalachian Community Federal Credit Union
Kingsport, TN · Credit union · NCUA · $181 million assets · 146 loans in 2025
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146
loans originated, 2025
205
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Appalachian Community Federal Credit Union, a small Tennessee credit union, lends to many more low- and moderate-income borrowers than its peers. Its loans fell 28% in 2025 after an unusually busy 2024.
It made 146 loans, down 28% from 204 in 2024, while similar lenders (credit unions making between half and twice as many loans) grew 9% and the whole market 10%. The fall was steeper than at nearly all of them. But 2024 was its busiest year since at least 2018; 2025 is closer to the 134 to 143 loans it made from 2021 to 2023.
Low- and moderate-income (LMI) borrowers took 44.8% of its loans, against 28.6% at similar lenders, a higher share than at nearly nine in ten of them. That was up from 29.6% in 2020. Its share in LMI neighborhoods, 18.6%, was near the middle of its peers.
Purchases made up 36.3% of its loans, other purposes 30.8%, refinances 20.5% and home improvement 12.3%. All were conventional. Its typical loan, $95,000, was a little smaller than peers' $105,000.
In Kingsport-Bristol, its largest market, it ranked 35 of 324 lenders, and its share fell 0.5 points to 0.6%. Its lower volume is one possible reason. Eastman Credit Union led there and in Johnson City, where its share held at 0.4%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Appalachian Community Federal Credit Union took 205 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 36.3% · Other 30.8% · Refinance 20.5% · Home improvement 12.3%
Conventional 100.0% · of 146 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 | 110 | 75.3% |
| Virginia | 30 | 20.5% |
| Kentucky | 4 | 2.7% |
| North Carolina | 1 | 0.7% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Kingsport-Bristol | 77 |
| Johnson City | 34 |
| Charlotte-Concord-Gastonia | 1 |
| Knoxville | 1 |
| Morristown | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493004C6NM2VNOH2N94 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 261294 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 524495 | 1994–2017 |
Established 1 January 1993. Reported under HMDA 1994-2025.
Mergers, name changes, data editions and corrections: Appalachian Community Federal Credit Union's data.
Appalachian Community Federal Credit Union's data
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Appalachian Community 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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