Applications / Mortgage Analytics / Lenders / Tennessee / Chattanooga Federal Employees Credit Union
Chattanooga, TN · Credit union · NCUA · $73.6 million assets · 20 loans in 2025
Chattanooga Federal Employees Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
20
loans originated, 2025
35
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Chattanooga Federal Employees Credit Union is a small Chattanooga lender that has reported since 1990 and made 20 mortgages in 2025, too few to say much about its pattern of lending.
Refinances made up 65.0% of its loans in 2025 and purchases 30.0%. Every loan was conventional, as at similar lenders (credit unions making between half and twice as many loans). Its typical loan was $130,000, against $105,000 at similar lenders. With 20 loans, these shares rest on very few cases.
It made 20 loans in 2025, against 19 in 2024, 37 in 2023 and 53 in 2018. It filed no report for 2019 to 2022, so those years are a gap in the record, not years without lending.
Chattanooga is its largest market, and it has lent there since 1990. It ranked 160 of 525 lenders with 0.1% of the dollars, the same as in 2024. Rocket Mortgage and Tennessee Valley Federal Credit Union lead that market. It lends in one metro and five counties in two states, mainly Tennessee.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Chattanooga Federal Employees Credit Union took 35 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 65.0% · Purchase 30.0% · Home improvement 5.0%
Conventional 100.0% · of 20 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 | 14 | 70.0% |
| Georgia | 6 | 30.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Chattanooga | 18 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300A1ILQC3X3Z1716 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 685292 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 562537 | 1990–2017 |
Established 1 January 1925. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Chattanooga Federal Employees Credit Union's data.
Chattanooga Federal Employees Credit Union's data
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Chattanooga Federal Employees 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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