Applications / Mortgage Analytics / Lenders / Tennessee / Enrichment Federal Credit Union
Oak Ridge, TN · Credit union · NCUA · $963 million assets · 166 loans in 2025
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166
loans originated, 2025
206
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Enrichment Federal Credit Union makes larger loans than most similar credit unions, and far fewer of them than it did five years ago.
Its typical loan was $175,000, against $105,000 at similar lenders (credit unions making between half and twice as many loans), larger than at more than four in five of them. Refinancing made up 51.2% of its lending and purchases 34.3%, a mix that may account for the larger sums.
It made 166 loans in 2025, up 9% from 152 and in line with similar lenders, which grew 8%. Five years earlier it made 441. The count then fell to 226 in 2023 and 152 in 2024. Refinancing is half its business, so higher rates may account for much of the fall.
It has lent in Knoxville, TN since at least 1990 and ranks 67 of 599 lenders there, with 0.4% of the market in both years. Mortgage Investors Group leads. In Johnson City, TN, which it entered in 2021, its share rose from 0.0% to 0.1%.
Low- and moderate-income (LMI) borrowers took 37.8% of its loans, against 28.5% at similar lenders, a higher share than at about three in four of them. Majority-minority neighborhoods took 0.6%, against 10.3%. That may reflect the make-up of the Tennessee counties it serves.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Enrichment Federal Credit Union took 206 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 51.2% · Purchase 34.3% · Other 12.0% · Home improvement 2.4%
Conventional 100.0% · of 166 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 | 166 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Knoxville | 134 |
| Cleveland | 1 |
| Johnson City | 1 |
| Kingsport-Bristol | 1 |
| Morristown | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300LCT0EFT83E5873 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 688387 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 56778 | 1990–2017 |
Established 1 January 1950. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Enrichment Federal Credit Union's data.
Enrichment Federal Credit Union's data
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Enrichment 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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