Applications / Mortgage Analytics / Lenders / Tennessee / Clinchfield Federal Credit Union
Erwin, TN · Credit union · NCUA · $135 million assets · 50 loans in 2025
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50
loans originated, 2025
58
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Clinchfield Federal Credit Union, a credit union that lends in a single metro, raised its loan count by 32% in 2025 and lends to more lower-income borrowers than most similar credit unions.
It made 50 loans, up from 38, while similar lenders (credit unions making between half and twice as many loans) grew by 6% and the whole market by 10%; about three in four grew less. In Johnson City, where it has lent since at least 1990, it ranks 39 of 287 lenders, and its share rose to 0.6% from 0.4%. Eastman Credit Union leads there.
Refinances made up 42.0% of its loans, purchases 32.0% and home improvement 26.0%. Every loan was conventional, and its typical loan was $115,000, against $95,000 at similar credit unions.
44.0% of its borrowers had low or moderate incomes (LMI), against 31.2% at similar credit unions, higher than about eight in ten. Only 4.0% of its loans were in LMI neighborhoods, against 17.6%, and none in majority-minority areas. It lends in three counties of one metro, so the neighborhoods those counties hold may set these figures.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Clinchfield Federal Credit Union took 58 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 42.0% · Purchase 32.0% · Home improvement 26.0%
Conventional 100.0% · of 50 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 | 50 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Johnson City | 50 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900P86CWA5DCK0Y27 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 749073 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 55549 | 1990–2017 |
Established 1 January 1947. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Clinchfield Federal Credit Union's data.
Clinchfield Federal Credit Union's data
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Clinchfield 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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