Applications / Mortgage Analytics / Lenders / Tennessee / Select Seven Federal Credit Union
Johnson City, TN · Credit union · NCUA · $62.2 million assets · 17 loans in 2025
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17
loans originated, 2025
17
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Select Seven Federal Credit Union is a small Johnson City lender: it made 17 loans in 2025, too few to read much into its mix.
It made 17 loans in 2025, against 21 in 2024 and 30 in 2023. Similar lenders, credit unions making between half and twice as many loans, also made fewer loans, by 10%, while the whole market grew 10%. It filed no report from 2018 to 2022. Those years are gaps in the record, not years without lending.
All its lending is in Tennessee, in 4 counties and 2 metros. Johnson City is its main market, where it has lent since 1990 and ranked 68 of 287 lenders, with 0.2% of lending. Eastman Credit Union ranked first there, as it did in Kingsport-Bristol, the credit union's other metro.
Refinances made up 52.9% of its loans and purchases 47.1%, and every loan was conventional, as at the typical similar credit union. Its typical loan was $155,000, against $105,000 at similar lenders. With 17 loans, a single mortgage moves each of these shares by several points, so they say little about how it lends.
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, 2023–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Select Seven Federal Credit Union took 17 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 52.9% · Purchase 47.1%
Conventional 100.0% · of 17 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 | 17 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Johnson City | 15 |
| Kingsport-Bristol | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900RNI3GHT6051L54 | 2023–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 109387 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 56079 | 1990–2016 |
Established 1 January 1949. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Select Seven Federal Credit Union's data.
Select Seven Federal Credit Union's data
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Select Seven 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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