Applications / Mortgage Analytics / Lenders / Tennessee / Memphis City Employees Credit Union
Memphis, TN · Credit union · NCUA · $497 million assets · 118 loans in 2025
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118
loans originated, 2025
186
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Memphis City Employees Credit Union lends more to refinance homes than to buy them, and far more of its loans go to majority-minority areas than at similar lenders.
Refinances made up 67.8% of its loans and purchases 32.2%; it reported no home-improvement lending. Every loan was conventional. Its typical loan, $105,000, matched that of similar lenders (credit unions making between half and twice as many loans).
Majority-minority areas took 35.6% of its loans, against 9.5% at similar lenders, more than at four in five of them. Poorer neighborhoods (low- and moderate-income, or LMI, tracts) took 20.7%, against 17.2%. Both may follow from lending centered on Memphis. LMI borrowers took 17.8%, against 29.2% at peers; its tilt toward refinancing may be one reason.
It made 118 loans in 2025, against 117 in 2024, while similar lenders grew 8% and the whole market 10%. Its count had fallen each year from 275 in 2020 to 105 in 2023.
Its share rose in Memphis, AR-MS-TN, its largest market, where it has lent since at least 1990. In Jackson, TN, which it entered in 2012, its share rose to 0.1%, and it ranked 132 of 248 lenders.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Memphis City Employees Credit Union took 186 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 67.8% · Purchase 32.2%
Conventional 100.0% · of 118 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 | 95 | 80.5% |
| Mississippi | 19 | 16.1% |
| Arkansas | 4 | 3.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Memphis | 112 |
| Jackson | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300DU662K57XBSH20 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 317397 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 560239 | 1990–2017 |
Established 1 January 1959. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Memphis City Employees Credit Union's data.
Memphis City Employees Credit Union's data
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Memphis City Employees 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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