Applications / Mortgage Analytics / Lenders / Tennessee / TRUST Federal Credit Union
Chattanooga, TN · Credit union · NCUA · $136 million assets · 27 loans in 2025
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27
loans originated, 2025
31
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
TRUST Federal Credit Union is a small Chattanooga lender: it made 27 loans in 2025, about as many as similar credit unions.
It made 27 loans, up from 22 a year earlier. Similar lenders (credit unions making between half and twice as many loans) typically made 31. It has lent in Chattanooga since 2012, its first year reporting, and ranks 113 of 525 lenders there, with a share of 0.1%, unchanged from a year earlier.
It filed no report for 2020, 2021 or 2022. Since 2020 lenders making few loans need not report, so those years are gaps in the record, not years without lending. It made 31 loans in 2023, the year it reported again. Its lending spans seven counties in two states.
Refinances made up 55.6% of its loans and purchases 44.4%. Every loan was conventional, with no government backing. On 27 loans, a handful of large or unusual ones can swing any share or typical figure, so its loan sizes, rates and borrower mix say little from one year to the next.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. 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. TRUST Federal Credit Union took 31 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 55.6% · Purchase 44.4%
Conventional 100.0% · of 27 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 | 16 | 59.3% |
| Georgia | 11 | 40.7% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Chattanooga | 23 |
| Cleveland | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300V4IWDO6EFUKC70 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 392198 | 2012–2023 |
| Respondent ID (the HMDA filer code before 2018) | 524629 | 2012–2017 |
Established 1 January 1934. Reported under HMDA 2012-2025.
Mergers, name changes, data editions and corrections: TRUST Federal Credit Union's data.
TRUST Federal Credit Union's data
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TRUST 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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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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