Not a home-purchase lender
Other-purpose loans made up 59.6% of its lending and refinances 33.3%; purchases were just 5.3%. Its typical loan was $75,000, against $95,000 at similar lenders (credit unions making between half and twice as many loans).
Applications / Mortgage Analytics / Lenders / Tennessee / City Employees Credit Union
City Employees Credit Union
Knoxville, TN · Credit union · NCUA · $119 million assets · 57 loans in 2025
City Employees Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
57
loans originated, 2025
60
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
City Employees Credit Union, a small Knoxville credit union, makes modest loans mostly for purposes other than buying a home, and 43.9% of them go to low- and moderate-income borrowers.
Poorer borrowers
43.9% of its loans went to low- and moderate-income (LMI) borrowers, against 30.9% at similar lenders, more than four in five of them, and up from 23.3% five years before. Its shares in LMI neighborhoods, 12.3%, and majority-minority ones, 5.3%, were lower than peers' 17.4% and 9.6%. Where in Knoxville its members live may be the reason.
Cheaper loans
Its typical rate was 5.85%, against 6.74% at similar lenders, lower than about nine in ten of them. None of its loans were higher-priced (a rate well above the average for similar loans), against 3.1% at its peers.
A rebound from a weak 2024
It made 57 loans in 2025, up 46% from 39, while similar lenders grew by 6% and the whole market by 10%. That is still below the 89 of 2019. It ranks 176 of 599 lenders in Knoxville, where Mortgage Investors Group leads.
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
57 loans in 2025, against a peak of 89 in 2019.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. City Employees Credit Union took 60 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
59.6% of its 2025 loans were other loans; all were conventional loans.
Other 59.6% · Refinance 33.3% · Purchase 5.3% · Home improvement 1.8%
Conventional 100.0% · of 57 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
1 state, 3 metros, 7 counties
| State | Loans | Share |
|---|---|---|
| Tennessee | 57 | 100.0% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Knoxville | 54 |
| Chattanooga | 1 |
| Morristown | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300BUVM9AXNUI6G83 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 406590 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 567778 | 1993–2017 |
Established 1 January 1932. Reported under HMDA 1993-2025.
Mergers, name changes, data editions and corrections: City Employees Credit Union's data.
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