Applications / Mortgage Analytics / Lenders / Tennessee / Bowater Employees Credit Union
Calhoun, TN · Credit union · NCUA · $296 million assets · 15 loans in 2025
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15
loans originated, 2025
37
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Bowater Employees Credit Union, a Tennessee credit union with $296 million in assets, made just 15 home loans in 2025, fewer than half its 2024 total, though its loans are larger than most credit unions of its size make.
Its loans fell 58%, from 36 to 15. Similar lenders, credit unions making between half and twice as many loans, fell 12%, and the whole market grew 10%. Its count has always swung widely, from 90 in 2021 to 25 in 2023, so a small number of loans explains much of any one year's change.
Its typical loan was $235,000, against $105,000 at similar lenders, larger than at about nine in ten of them. In 2020 its typical loan was $95,000. All its loans were conventional, and it made no higher-priced loans in 2025.
In Cleveland, Tennessee it ranked 140 of 258 lenders, and its share fell from 0.4% to 0.1%. Its much smaller volume could account for most of that. Rocket Mortgage led that market, ahead of CMG Mortgage and United Wholesale Mortgage. It also lends across rural Tennessee and in Chattanooga.
Its 15 loans were split among refinances, purchases and home improvement, and a couple were for manufactured homes. On so few loans, its shares of lending to poorer borrowers and neighborhoods say little.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Bowater Employees Credit Union took 37 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 46.7% · Purchase 33.3% · Home improvement 20.0%
Conventional 100.0% · of 15 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 | 15 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Cleveland | 3 |
| Chattanooga | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900TTXC2DBWKBNZ05 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 520898 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 567970 | 2009–2017 |
Established 1 January 1954. Reported under HMDA 2009-2025.
Mergers, name changes, data editions and corrections: Bowater Employees Credit Union's data.
Bowater Employees Credit Union's data
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Bowater 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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