Applications / Mortgage Analytics / Lenders / Tennessee / UT Federal Credit Union
Knoxville, TN · Credit union · NCUA · $562 million assets · 205 loans in 2025
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205
loans originated, 2025
288
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
UT Federal Credit Union is a Knoxville credit union that lends mostly for home improvement and other purposes, and has turned increasingly to low- and moderate-income borrowers.
Other purposes made up 36.6% of its loans in 2025 and home improvement 25.4%. Purchases were only 18.0%. Its typical loan, $85,000, was smaller than at about seven in ten similar lenders (credit unions making between half and twice as many loans), as one would expect of that lending.
Low- and moderate-income (LMI) borrowers took 25.1% of its loans, up from 16.9% in 2024 and 12.6% five years before. That puts it a little below the middle of its peers, whose typical share was 27.9%. Its share in majority-minority neighborhoods was 3.4%, against 11.0%, which may reflect the make-up of the Tennessee markets it serves.
It ranks 80 of 599 lenders in Knoxville, where Mortgage Investors Group leads. Its share there slipped to 0.2% from 0.3%, a small move for a lender making 205 loans. In nearby Morristown its share rose by 0.2 points; it ranks 95 of 268 there. Its loans grew 4%, a little slower than the 7% of similar lenders.
Only 0.5% of its loans were higher-priced (a rate well above the average for similar loans), against 2.0% at the typical peer. Its typical rate, 6.88%, was close to peers' 6.75%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. UT Federal Credit Union took 288 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 36.6% · Home improvement 25.4% · Refinance 20.0% · Purchase 18.0%
Conventional 100.0% · of 205 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 | 204 | 99.5% |
| Florida | 1 | 0.5% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Knoxville | 133 |
| Memphis | 13 |
| Jackson | 4 |
| Morristown | 3 |
| Chattanooga | 1 |
| Johnson City | 1 |
| Nashville-Davidson--Murfreesboro--Franklin | 1 |
| Wildwood-The Villages | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493008XX3NZ5S384W16 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 878281 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 519448 | 1990–2017 |
Established 1 January 1969. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: UT Federal Credit Union's data.
UT Federal Credit Union's data
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UT 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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