Applications / Mortgage Analytics / Lenders / Tennessee / CU Community
Knoxville, TN · Non-bank lender · CFPB · 77 loans in 2025
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77
loans originated, 2025
173
applications, 2025
5
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
CU Community is a small Tennessee mortgage lender that mostly refinances, makes smaller loans than any of its peers and almost never uses government-backed loans.
Refinances made up 67.5% of its 77 loans in 2025, purchases 22.1% and home improvement 10.4%. Conventional loans were 98.7% of the total, against 68.9% at similar lenders, which here means non-bank lenders making between half and twice as many loans. Loans insured by the Federal Housing Administration (FHA) were 1.3%, against 23.2%.
Its typical loan was $125,000, the smallest among its peers, whose typical loan was $315,000. The figure was $65,000 a year earlier and $145,000 in 2020.
It made 77 loans, down 12% from 88, a smaller fall than the 16% typical of similar lenders. Its loans peaked at 258 in 2020 and have fallen most years since. It has reported since 2007.
Its lending is spread over 31 counties in five states, mostly Tennessee. Its shares are tiny and steady: 0.1% in Chattanooga and Johnson City, unchanged from 2024. In Johnson City, Eastman Credit Union leads; in Knoxville, Mortgage Investors Group does.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. CU Community took 173 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 67.5% · Purchase 22.1% · Home improvement 10.4%
Conventional 98.7% · FHA 1.3% · of 77 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 | 70 | 90.9% |
| Georgia | 3 | 3.9% |
| Alabama | 2 | 2.6% |
| Florida | 1 | 1.3% |
| Mississippi | 1 | 1.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Nashville-Davidson--Murfreesboro--Franklin | 15 |
| Chattanooga | 13 |
| Knoxville | 12 |
| Johnson City | 4 |
| Kingsport-Bristol | 4 |
| Cleveland | 2 |
| Tuscaloosa | 2 |
| Clarksville | 1 |
| Jackson | 1 |
| Orlando-Kissimmee-Sanford | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300OIJ6O9DNP74L72 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3913772 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 5203878295 |
Established 1 December 2005. Reported under HMDA 2007-2025.
Mergers, name changes, data editions and corrections: CU Community's data.
CU Community's data
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