Tennessee Valley Federal C U Mortgage Lending & HMDA Data, 2022
In 2022, Tennessee Valley Federal C U of Chattanooga, TN reported 3,069 mortgage applications totaling $488.7 million, up 23% from 2021. The average application was for $159,245, and applicants reported an average income of $102,765. 65% of its applications resulted in an originated loan and 17% were denied. Its largest markets were Chattanooga, TN-GA (2,290), Cleveland, TN (384) and Dalton, GA (65) (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 | 3,069 |
| Total Mortgage Loan Application Amount | $488,725,000 |
| Average Mortgage Loan Application Amount | $159,245 |
| Highest Mortgage Loan Application Amount | $3,605,000 |
| Average Applicant Income | $102,765 |
| Highest Applicant Income | $3,423,000 |
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records Tennessee Valley Federal C U filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,576 | $ 261,040,000 | $ 165,634 | $ 112,000 |
| Bradley, Tennessee | 358 | $ 55,190,000 | $ 154,162 | $ 89,000 |
| Catoosa, Georgia | 342 | $ 48,770,000 | $ 142,602 | $ 92,000 |
| Walker, Georgia | 230 | $ 28,540,000 | $ 124,086 | $ 87,000 |
| Marion, Tennessee | 81 | $ 14,515,000 | $ 179,197 | $ 96,000 |
| McMinn, Tennessee | 81 | $ 9,305,000 | $ 114,876 | $ 82,000 |
| Whitfield, Georgia | 48 | $ 8,610,000 | $ 179,375 | $ 77,000 |
| Rhea, Tennessee | 47 | $ 7,945,000 | $ 169,042 | $ 86,000 |
| Dade, Georgia | 34 | $ 4,590,000 | $ 135,000 | $ 85,000 |
| Sequatchie, Tennessee | 27 | $ 4,315,000 | $ 159,814 | $ 103,000 |
| Polk, Tennessee | 26 | $ 4,440,000 | $ 170,769 | $ 97,000 |
| Meigs, Tennessee | 24 | $ 3,790,000 | $ 157,916 | $ 73,000 |
| Murray, Georgia | 17 | $ 2,295,000 | $ 135,000 | $ 82,000 |
| Jackson, Alabama | 15 | $ 1,915,000 | $ 127,666 | $ 70,000 |
| Bledsoe, Tennessee | 14 | $ 1,730,000 | $ 123,571 | $ 97,000 |
| Grundy, Tennessee | 11 | $ 1,105,000 | $ 100,454 | $ 73,000 |
| Knox, Tennessee | 11 | $ 2,855,000 | $ 259,545 | $ 164,000 |
| Davidson, Tennessee | 9 | $ 1,665,000 | $ 185,000 | $ 87,000 |
| DeKalb, Alabama | 6 | $ 790,000 | $ 131,666 | $ 92,000 |
| Chattooga, Georgia | 6 | $ 590,000 | $ 98,333 | $ 71,000 |
| Jefferson, Alabama | 5 | $ 515,000 | $ 103,000 | $ 60,000 |
| Gordon, Georgia | 5 | $ 1,055,000 | $ 211,000 | $ 90,000 |
| Okaloosa, Florida | 4 | $ 1,490,000 | $ 372,500 | $ 435,000 |
| Cherokee, Georgia | 4 | $ 550,000 | $ 137,500 | $ 88,000 |
| Gilmer, Georgia | 4 | $ 880,000 | $ 220,000 | $ 106,000 |
| Putnam, Tennessee | 4 | $ 450,000 | $ 112,500 | $ 185,000 |
| Cumberland, Tennessee | 3 | $ 355,000 | $ 118,333 | $ 76,000 |
| Franklin, Tennessee | 3 | $ 235,000 | $ 78,333 | $ 58,000 |
| Sevier, Tennessee | 3 | $ 605,000 | $ 201,666 | $ 133,000 |
| Williamson, Tennessee | 3 | $ 365,000 | $ 121,666 | $ 121,000 |
| Wilson, Tennessee | 3 | $ 895,000 | $ 298,333 | $ 148,000 |
| Cherokee, Alabama | 2 | $ 310,000 | $ 155,000 | $ 116,000 |
| Madison, Alabama | 2 | $ 150,000 | $ 75,000 | $ 111,000 |
| Bay, Florida | 2 | $ 1,880,000 | $ 940,000 | $ 0 |
| Duval, Florida | 2 | $ 540,000 | $ 270,000 | $ 133,000 |
| Lee, Florida | 2 | $ 660,000 | $ 330,000 | $ 152,000 |
| Pinellas, Florida | 2 | $ 860,000 | $ 430,000 | $ 103,000 |
| Walton, Florida | 2 | $ 1,150,000 | $ 575,000 | $ 596,000 |
| Paulding, Georgia | 2 | $ 110,000 | $ 55,000 | $ 122,000 |
| Coffee, Tennessee | 2 | $ 300,000 | $ 150,000 | $ 107,000 |
| Jefferson, Tennessee | 2 | $ 200,000 | $ 100,000 | $ 92,000 |
| Monroe, Tennessee | 2 | $ 380,000 | $ 190,000 | $ 62,000 |
| Roane, Tennessee | 2 | $ 820,000 | $ 410,000 | $ 242,000 |
| Shelby, Tennessee | 2 | $ 450,000 | $ 225,000 | $ 223,000 |
| Sumner, Tennessee | 2 | $ 450,000 | $ 225,000 | $ 678,000 |
| Baldwin, Alabama | 1 | $ 395,000 | $ 395,000 | $ 176,000 |
| Fayette, Alabama | 1 | $ 95,000 | $ 95,000 | $ 25,000 |
| Mobile, Alabama | 1 | $ 315,000 | $ 315,000 | $ 114,000 |
| Talladega, Alabama | 1 | $ 135,000 | $ 135,000 | $ 82,000 |
| Tuscaloosa, Alabama | 1 | $ 85,000 | $ 85,000 | $ 99,000 |
| Brevard, Florida | 1 | $ 555,000 | $ 555,000 | $ 177,000 |
| Miami-Dade, Florida | 1 | $ 525,000 | $ 525,000 | $ 164,000 |
| Orange, Florida | 1 | $ 495,000 | $ 495,000 | $ 136,000 |
| Polk, Florida | 1 | $ 35,000 | $ 35,000 | $ 85,000 |
| Volusia, Florida | 1 | $ 355,000 | $ 355,000 | $ 69,000 |
| Bartow, Georgia | 1 | $ 255,000 | $ 255,000 | $ 142,000 |
| Clarke, Georgia | 1 | $ 325,000 | $ 325,000 | $ 135,000 |
| Cobb, Georgia | 1 | $ 205,000 | $ 205,000 | $ 110,000 |
| DeKalb, Georgia | 1 | $ 335,000 | $ 335,000 | $ 88,000 |
| Douglas, Georgia | 1 | $ 375,000 | $ 375,000 | $ 65,000 |
| Fannin, Georgia | 1 | $ 405,000 | $ 405,000 | $ 155,000 |
| Fayette, Georgia | 1 | $ 175,000 | $ 175,000 | $ 139,000 |
| Floyd, Georgia | 1 | $ 135,000 | $ 135,000 | $ 153,000 |
| Franklin, Georgia | 1 | $ 225,000 | $ 225,000 | $ 111,000 |
| Fulton, Georgia | 1 | $ 85,000 | $ 85,000 | $ 176,000 |
| Lowndes, Georgia | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Warren, Kentucky | 1 | $ 85,000 | $ 85,000 | $ 382,000 |
| Whitley, Kentucky | 1 | $ 95,000 | $ 95,000 | $ 87,000 |
| Jackson, North Carolina | 1 | $ 885,000 | $ 885,000 | $ 429,000 |
| Westmoreland, Pennsylvania | 1 | $ 115,000 | $ 115,000 | $ 69,000 |
| Anderson, South Carolina | 1 | $ 45,000 | $ 45,000 | $ 102,000 |
| Anderson, Tennessee | 1 | $ 45,000 | $ 45,000 | $ 67,000 |
| Hardeman, Tennessee | 1 | $ 295,000 | $ 295,000 | $ 72,000 |
| Hardin, Tennessee | 1 | $ 75,000 | $ 75,000 | $ 123,000 |
| Hickman, Tennessee | 1 | $ 145,000 | $ 145,000 | $ 93,000 |
| Humphreys, Tennessee | 1 | $ 115,000 | $ 115,000 | $ 138,000 |
| Lincoln, Tennessee | 1 | $ 165,000 | $ 165,000 | $ 134,000 |
| Macon, Tennessee | 1 | $ 55,000 | $ 55,000 | $ 44,000 |
| Rutherford, Tennessee | 1 | $ 155,000 | $ 155,000 | $ 131,000 |
| Scott, Tennessee | 1 | $ 105,000 | $ 105,000 | $ 70,000 |
| Warren, Tennessee | 1 | $ 255,000 | $ 255,000 | $ 91,000 |
| Washington, Tennessee | 1 | $ 865,000 | $ 865,000 | $ 232,000 |
Mortgage Loan Application Detail Totals for Tennessee Valley Federal C U in 2022
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 |
|---|---|---|---|---|---|---|
| Other Purpose | 1,271 | $114,585,000 | $90,000 | $705,000 | $104,000 | $1,903,000 |
| Home Purchase | 892 | $243,800,000 | $273,000 | $3,605,000 | $108,000 | $1,142,000 |
| Cash-out Refinancing | 591 | $98,315,000 | $166,000 | $1,125,000 | $93,000 | $3,423,000 |
| Home Improvement | 198 | $14,160,000 | $71,000 | $505,000 | $105,000 | $2,724,000 |
| Refinancing | 117 | $17,865,000 | $152,000 | $585,000 | $95,000 | $1,294,000 |
| Not Applicable | 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 | 2,274 | $353,830,000 | $155,000 | $1,445,000 | $100,000 | $1,440,000 |
| Not Provided | 376 | $61,520,000 | $163,000 | $3,605,000 | $109,000 | $2,724,000 |
| Black or African American | 185 | $25,705,000 | $138,000 | $765,000 | $100,000 | $1,903,000 |
| Not applicable | 98 | $23,840,000 | $243,000 | $1,235,000 | $0 | $0 |
| Hispanic | 72 | $11,960,000 | $166,000 | $415,000 | $79,000 | $206,000 |
| American Indian or Alaskan Native | 33 | $4,225,000 | $128,000 | $455,000 | $139,000 | $1,294,000 |
| Asian | 19 | $5,025,000 | $264,000 | $795,000 | $122,000 | $291,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $45,000 | $45,000 | $45,000 | $93,000 | $93,000 |
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) | 3,069 | $488,725,000 | $159,000 | $3,605,000 | $103,000 | $3,423,000 |
| 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 | 1,999 | $342,925,000 | $171,000 | $1,685,000 | $102,000 | $1,142,000 |
| Application Withdrawn By Applicant | 527 | $79,995,000 | $151,000 | $1,445,000 | $122,000 | $3,423,000 |
| Application Denied By Financial Institution | 519 | $63,345,000 | $122,000 | $3,605,000 | $85,000 | $1,903,000 |
| Application Approved But Not Accepted | 21 | $2,115,000 | $100,000 | $405,000 | $82,000 | $138,000 |
| Loan Purchased By The Institution | 3 | $345,000 | $115,000 | $175,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 |
|---|---|---|---|---|---|---|
| Not applicable | 2,550 | $425,380,000 | $166,000 | $1,685,000 | $106,000 | $3,423,000 |
| Debt-To-Income Ratio | 176 | $26,630,000 | $151,000 | $3,605,000 | $59,000 | $406,000 |
| Credit History | 96 | $6,300,000 | $65,000 | $275,000 | $94,000 | $1,116,000 |
| Collateral | 80 | $11,150,000 | $139,000 | $495,000 | $102,000 | $978,000 |
| Credit Application Incomplete | 64 | $7,320,000 | $114,000 | $305,000 | $87,000 | $610,000 |
| Other | 62 | $6,620,000 | $106,000 | $585,000 | $134,000 | $1,903,000 |
| Unverifiable Information | 21 | $2,035,000 | $96,000 | $245,000 | $54,000 | $125,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 13 | $2,625,000 | $201,000 | $385,000 | $116,000 | $300,000 |
| Employment History | 7 | $665,000 | $95,000 | $255,000 | $41,000 | $120,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Tennessee Valley Federal C U's 2022 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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