Tennessee Valley Federal C U Mortgage Lending & HMDA Data, 2011
In 2011, Tennessee Valley Federal C U of Chattanooga, TN reported 764 mortgage applications totaling $92.3 million, down 11% from 2010. The average application was for $120,814, and applicants reported an average income of $73,285. 50% of its applications resulted in an originated loan and 24% were denied. Its largest markets were Chattanooga, TN-GA (555), Cleveland, TN (97) and Dalton, GA (5) (applications in parentheses).
| Mortgage Company & Address | Tennessee Valley Federal C U 535 Chestnut Street Chattanooga, TN 37402 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 764 |
| Total Mortgage Loan Application Amount | $92,302,000 |
| Average Mortgage Loan Application Amount | $120,814 |
| Highest Mortgage Loan Application Amount | $1,000,000 |
| Average Applicant Income | $73,285 |
| Highest Applicant Income | $622,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Tennessee Valley Federal C U filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Hamilton, Tennessee | 380 | $ 50,911,000 | $ 133,976 | $ 81,000 |
| Bradley, Tennessee | 90 | $ 8,711,000 | $ 96,788 | $ 61,000 |
| Catoosa, Georgia | 58 | $ 6,281,000 | $ 108,293 | $ 55,000 |
| Walker, Georgia | 57 | $ 4,971,000 | $ 87,210 | $ 60,000 |
| Marion, Tennessee | 35 | $ 3,112,000 | $ 88,914 | $ 58,000 |
| Rhea, Tennessee | 26 | $ 2,732,000 | $ 105,076 | $ 63,000 |
| McMinn, Tennessee | 25 | $ 2,537,000 | $ 101,480 | $ 58,000 |
| Dade, Georgia | 14 | $ 2,130,000 | $ 152,142 | $ 89,000 |
| Sequatchie, Tennessee | 11 | $ 1,457,000 | $ 132,454 | $ 60,000 |
| Bledsoe, Tennessee | 10 | $ 1,203,000 | $ 120,300 | $ 64,000 |
| Polk, Tennessee | 7 | $ 625,000 | $ 89,285 | $ 45,000 |
| Jackson, Alabama | 6 | $ 678,000 | $ 113,000 | $ 72,000 |
| Grundy, Tennessee | 5 | $ 434,000 | $ 86,800 | $ 34,000 |
| Whitfield, Georgia | 4 | $ 360,000 | $ 90,000 | $ 56,000 |
| Meigs, Tennessee | 3 | $ 280,000 | $ 93,333 | $ 94,000 |
| DeKalb, Alabama | 2 | $ 141,000 | $ 70,500 | $ 38,000 |
| Manatee, Florida | 2 | $ 364,000 | $ 182,000 | $ 160,000 |
| Macon, North Carolina | 2 | $ 792,000 | $ 396,000 | $ 199,000 |
| Davidson, Tennessee | 2 | $ 234,000 | $ 117,000 | $ 84,000 |
| Franklin, Tennessee | 2 | $ 288,000 | $ 144,000 | $ 88,000 |
| Knox, Tennessee | 2 | $ 233,000 | $ 116,500 | $ 144,000 |
| Cullman, Alabama | 1 | $ 227,000 | $ 227,000 | $ 75,000 |
| Lauderdale, Alabama | 1 | $ 35,000 | $ 35,000 | $ 188,000 |
| Madison, Alabama | 1 | $ 50,000 | $ 50,000 | $ 58,000 |
| Bay, Florida | 1 | $ 100,000 | $ 100,000 | $ 99,000 |
| Citrus, Florida | 1 | $ 150,000 | $ 150,000 | $ 45,000 |
| Pinellas, Florida | 1 | $ 285,000 | $ 285,000 | $ 123,000 |
| Bartow, Georgia | 1 | $ 114,000 | $ 114,000 | $ 50,000 |
| Gordon, Georgia | 1 | $ 156,000 | $ 156,000 | $ 74,000 |
| Murray, Georgia | 1 | $ 65,000 | $ 65,000 | $ 93,000 |
| Spalding, Georgia | 1 | $ 327,000 | $ 327,000 | $ 90,000 |
| Putnam, Indiana | 1 | $ 285,000 | $ 285,000 | $ 82,000 |
| Anderson, South Carolina | 1 | $ 220,000 | $ 220,000 | $ 69,000 |
| Beaufort, South Carolina | 1 | $ 250,000 | $ 250,000 | $ 114,000 |
| Greenville, South Carolina | 1 | $ 117,000 | $ 117,000 | $ 180,000 |
| Pickens, South Carolina | 1 | $ 171,000 | $ 171,000 | $ 180,000 |
| Blount, Tennessee | 1 | $ 136,000 | $ 136,000 | $ 67,000 |
| Fentress, Tennessee | 1 | $ 48,000 | $ 48,000 | $ 77,000 |
| Monroe, Tennessee | 1 | $ 404,000 | $ 404,000 | $ 228,000 |
| Rutherford, Tennessee | 1 | $ 417,000 | $ 417,000 | $ 268,000 |
| Harris, Texas | 1 | $ 200,000 | $ 200,000 | $ 102,000 |
| Travis, Texas | 1 | $ 71,000 | $ 71,000 | $ 70,000 |
Mortgage Loan Application Detail Totals for Tennessee Valley Federal C U in 2011
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Refinancing | 491 | $53,633,000 | $109,000 | $417,000 | $74,000 | $425,000 |
| Home Purchase | 273 | $38,669,000 | $141,000 | $1,000,000 | $72,000 | $622,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 705 | $85,384,000 | $121,000 | $1,000,000 | $74,000 | $622,000 |
| Black or African American | 35 | $3,650,000 | $104,000 | $275,000 | $55,000 | $166,000 |
| Hispanic | 14 | $2,112,000 | $150,000 | $392,000 | $77,000 | $176,000 |
| Asian | 4 | $631,000 | $157,000 | $228,000 | $70,000 | $118,000 |
| American Indian or Alaskan Native | 3 | $227,000 | $75,000 | $88,000 | $49,000 | $94,000 |
| Not Provided | 3 | $298,000 | $99,000 | $130,000 | $93,000 | $141,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 764 | $92,302,000 | $120,000 | $1,000,000 | $73,000 | $622,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 383 | $44,023,000 | $114,000 | $512,000 | $81,000 | $412,000 |
| Application Withdrawn By Applicant | 196 | $27,502,000 | $140,000 | $1,000,000 | $78,000 | $622,000 |
| Application Denied By Financial Institution | 181 | $20,347,000 | $112,000 | $416,000 | $52,000 | $218,000 |
| File Closed For Incompleteness | 4 | $430,000 | $107,000 | $161,000 | $68,000 | $109,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Credit History | 76 | $8,718,000 | $114,000 | $398,000 | $58,000 | $196,000 |
| Debt-To-Income Ratio | 73 | $7,839,000 | $107,000 | $360,000 | $38,000 | $124,000 |
| Collateral | 27 | $2,909,000 | $107,000 | $416,000 | $75,000 | $218,000 |
| Employment History | 5 | $881,000 | $176,000 | $392,000 | $42,000 | $85,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Tennessee Valley Federal C U's 2011 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Tennessee Valley Federal C U's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Tennessee, download the full spreadsheet
with aggregated HMDA statistics today.
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