A long fall
It made 250 loans in 2020 and 182 in 2021, then fewer each year down to 29 in 2024. In 2025 it made 35, up 21%, while similar lenders (credit unions making between half and twice as many loans) were flat and the whole market rose 10%.
Applications / Mortgage Analytics / Lenders / Tennessee / US Community Credit Union
US Community Credit Union
Nashville, TN · Credit union · NCUA · $335 million assets · 35 loans in 2025
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35
loans originated, 2025
106
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
US Community Credit Union, a Nashville credit union, made 35 loans in 2025, about a seventh of its 2020 total.
Larger loans than its peers
Its typical loan was $205,000, against $95,000 at similar lenders, larger than at more than four in five. Purchases were 40.0% of its loans, refinances 37.1% and home improvement 22.9%.
Lending to poorer borrowers
Low- and moderate-income (LMI) borrowers took 45.7% of its 35 loans, against 31.6% at similar lenders. On so few loans, a handful either way would move that share a lot, so it is best read as a sign, not a measure.
A small name in Nashville
It has lent in Nashville since 1993 but ranks 287 of 821 lenders there, a market United Wholesale Mortgage leads. Its lending stays inside Tennessee, across 11 counties.
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
35 loans in 2025, against a peak of 250 in 2020.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. US Community Credit Union took 106 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
40.0% of its 2025 loans were purchase loans; 97.1% were conventional loans.
Purchase 40.0% · Refinance 37.1% · Home improvement 22.9%
Conventional 97.1% · VA 2.9% · of 35 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
1 state, 2 metros, 11 counties
| State | Loans | Share |
|---|---|---|
| Tennessee | 35 | 100.0% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Nashville-Davidson--Murfreesboro--Franklin | 32 |
| Clarksville | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300KB8NXVYD7BGS97 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 510693 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 567720 | 1993–2017 |
Established 1 January 1968. Reported under HMDA 1993-2025.
Mergers, name changes, data editions and corrections: US Community Credit Union's data.
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