Tennessee Valley Federal C U Mortgage Lending & HMDA Data, 2012
In 2012, Tennessee Valley Federal C U of Chattanooga, TN reported 1,175 mortgage applications totaling $153.6 million, up 54% from 2011. The average application was for $130,702, and applicants reported an average income of $73,714. 55% of its applications resulted in an originated loan and 24% were denied. Its largest markets were Chattanooga, TN-GA (920), Cleveland, TN (125) and Dalton, GA (8) (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 | 1,175 |
| Total Mortgage Loan Application Amount | $153,576,000 |
| Average Mortgage Loan Application Amount | $130,702 |
| Highest Mortgage Loan Application Amount | $7,200,000 |
| Average Applicant Income | $73,714 |
| Highest Applicant Income | $1,430,000 |
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records Tennessee Valley Federal C U filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 649 | $ 95,272,000 | $ 146,798 | $ 81,000 |
| Bradley, Tennessee | 116 | $ 13,038,000 | $ 112,396 | $ 61,000 |
| Walker, Georgia | 104 | $ 10,104,000 | $ 97,153 | $ 54,000 |
| Catoosa, Georgia | 89 | $ 9,640,000 | $ 108,314 | $ 68,000 |
| Marion, Tennessee | 50 | $ 5,700,000 | $ 114,000 | $ 58,000 |
| Rhea, Tennessee | 31 | $ 3,174,000 | $ 102,387 | $ 71,000 |
| McMinn, Tennessee | 25 | $ 2,602,000 | $ 104,080 | $ 62,000 |
| Dade, Georgia | 17 | $ 2,387,000 | $ 140,411 | $ 70,000 |
| Sequatchie, Tennessee | 11 | $ 1,709,000 | $ 155,363 | $ 77,000 |
| Meigs, Tennessee | 9 | $ 1,078,000 | $ 119,777 | $ 46,000 |
| Polk, Tennessee | 9 | $ 1,333,000 | $ 148,111 | $ 73,000 |
| Jackson, Alabama | 7 | $ 662,000 | $ 94,571 | $ 56,000 |
| Grundy, Tennessee | 5 | $ 329,000 | $ 65,800 | $ 47,000 |
| Murray, Georgia | 4 | $ 316,000 | $ 79,000 | $ 46,000 |
| Whitfield, Georgia | 4 | $ 352,000 | $ 88,000 | $ 46,000 |
| Bledsoe, Tennessee | 4 | $ 440,000 | $ 110,000 | $ 72,000 |
| Baldwin, Alabama | 3 | $ 595,000 | $ 198,333 | $ 183,000 |
| DeKalb, Alabama | 3 | $ 332,000 | $ 110,666 | $ 110,000 |
| Davidson, Tennessee | 3 | $ 369,000 | $ 123,000 | $ 65,000 |
| Monroe, Tennessee | 3 | $ 604,000 | $ 201,333 | $ 117,000 |
| Bay, Florida | 2 | $ 224,000 | $ 112,000 | $ 152,000 |
| Macon, North Carolina | 2 | $ 230,000 | $ 115,000 | $ 51,000 |
| Franklin, Tennessee | 2 | $ 154,000 | $ 77,000 | $ 47,000 |
| Knox, Tennessee | 2 | $ 187,000 | $ 93,500 | $ 113,000 |
| Shelby, Tennessee | 2 | $ 234,000 | $ 117,000 | $ 83,000 |
| Calhoun, Alabama | 1 | $ 123,000 | $ 123,000 | $ 146,000 |
| Madison, Alabama | 1 | $ 114,000 | $ 114,000 | $ 49,000 |
| Alachua, Florida | 1 | $ 232,000 | $ 232,000 | $ 52,000 |
| Hillsborough, Florida | 1 | $ 53,000 | $ 53,000 | $ 112,000 |
| Martin, Florida | 1 | $ 80,000 | $ 80,000 | $ 132,000 |
| Chattooga, Georgia | 1 | $ 51,000 | $ 51,000 | $ 32,000 |
| Cherokee, Georgia | 1 | $ 116,000 | $ 116,000 | $ 132,000 |
| Gordon, Georgia | 1 | $ 132,000 | $ 132,000 | $ 38,000 |
| Gwinnett, Georgia | 1 | $ 71,000 | $ 71,000 | $ 62,000 |
| Cumberland, Maine | 1 | $ 158,000 | $ 158,000 | $ 136,000 |
| Mecklenburg, North Carolina | 1 | $ 200,000 | $ 200,000 | $ 170,000 |
| Georgetown, South Carolina | 1 | $ 182,000 | $ 182,000 | $ 93,000 |
| Richland, South Carolina | 1 | $ 112,000 | $ 112,000 | $ 122,000 |
| Cumberland, Tennessee | 1 | $ 155,000 | $ 155,000 | $ 63,000 |
| Jackson, Tennessee | 1 | $ 220,000 | $ 220,000 | $ 54,000 |
| Loudon, Tennessee | 1 | $ 95,000 | $ 95,000 | $ 68,000 |
| Sevier, Tennessee | 1 | $ 120,000 | $ 120,000 | $ 128,000 |
| Warren, Tennessee | 1 | $ 162,000 | $ 162,000 | $ 65,000 |
| Travis, Texas | 1 | $ 135,000 | $ 135,000 | $ 118,000 |
Mortgage Loan Application Detail Totals for Tennessee Valley Federal C U in 2012
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 | 806 | $103,507,000 | $128,000 | $7,200,000 | $75,000 | $580,000 |
| Home Purchase | 368 | $49,984,000 | $135,000 | $575,000 | $71,000 | $1,430,000 |
| Home Improvement | 1 | $85,000 | $85,000 | $85,000 | $37,000 | $37,000 |
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 | 1,068 | $141,705,000 | $132,000 | $7,200,000 | $74,000 | $1,430,000 |
| Black or African American | 64 | $6,880,000 | $107,000 | $350,000 | $64,000 | $263,000 |
| Hispanic | 14 | $1,559,000 | $111,000 | $161,000 | $77,000 | $162,000 |
| Asian | 13 | $1,325,000 | $101,000 | $249,000 | $56,000 | $148,000 |
| American Indian or Alaskan Native | 8 | $945,000 | $118,000 | $203,000 | $91,000 | $178,000 |
| Native Hawaiian or Other Pacific Islander | 6 | $835,000 | $139,000 | $210,000 | $94,000 | $262,000 |
| Not Provided | 2 | $327,000 | $163,000 | $187,000 | $52,000 | $74,000 |
| 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) | 1,175 | $153,576,000 | $130,000 | $7,200,000 | $74,000 | $1,430,000 |
| 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 | 647 | $89,651,000 | $138,000 | $7,200,000 | $85,000 | $1,430,000 |
| Application Denied By Financial Institution | 284 | $31,954,000 | $112,000 | $417,000 | $54,000 | $423,000 |
| Application Withdrawn By Applicant | 243 | $31,721,000 | $130,000 | $417,000 | $66,000 | $311,000 |
| File Closed For Incompleteness | 1 | $250,000 | $250,000 | $250,000 | $198,000 | $198,000 |
| 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 | 123 | $13,006,000 | $105,000 | $405,000 | $57,000 | $349,000 |
| Debt-To-Income Ratio | 80 | $9,928,000 | $124,000 | $375,000 | $43,000 | $107,000 |
| Collateral | 45 | $5,117,000 | $113,000 | $360,000 | $76,000 | $423,000 |
| Employment History | 9 | $840,000 | $93,000 | $176,000 | $37,000 | $53,000 |
| Other | 3 | $180,000 | $60,000 | $73,000 | $48,000 | $62,000 |
| Credit Application Incomplete | 2 | $228,000 | $114,000 | $158,000 | $45,000 | $68,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $20,000 | $20,000 | $20,000 | $8,000 | $8,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Tennessee Valley Federal C U's 2012 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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