Applications / Mortgage Analytics / Lenders / Tennessee / Chattanooga Area Schools Federal Credit Union
Chattanooga, TN · Credit union · NCUA · $192 million assets · 42 loans in 2025
Chattanooga Area Schools Federal Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
42
loans originated, 2025
56
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Chattanooga Area Schools Federal Credit Union makes bigger loans than most credit unions its size, and its typical loan jumped in 2025.
Its typical loan was $170,000, up from $115,000 and well above the $90,000 at similar lenders (credit unions making between half and twice as many loans). That is larger than at about four in five of them. It lent $8.7 million in all, against $6.0 million at its peers, and its loan count rose 14% to 42.
Purchases and refinances each made up 33.3% of its loans, and home improvement 23.8%. Every loan was conventional.
It has lent in Chattanooga since at least 1990 and ranks 90 of 525 lenders there, with a 0.2% share that did not change. Rocket Mortgage and Tennessee Valley Federal Credit Union lead the market. Low- and moderate-income borrowers took 19.1% of its loans, down from 29.7% and lower than at more than four in five peers. Its larger loans are one possible reason, and on 42 loans the share can swing sharply. It filed no report for 2020 or 2021, so the record has a gap.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Chattanooga Area Schools Federal Credit Union took 56 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 33.3% · Refinance 33.3% · Home improvement 23.8% · Other 9.5%
Conventional 100.0% · of 42 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 | 37 | 88.1% |
| Georgia | 5 | 11.9% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Chattanooga | 39 |
| Cleveland | 2 |
| Dalton | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300SP39BCL43JUN40 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 798174 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 5690 | 1990–2017 |
Established 1 January 1935. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Chattanooga Area Schools Federal Credit Union's data.
Chattanooga Area Schools Federal Credit Union's data
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Chattanooga Area Schools 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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