Tennessee Valley Fcu
HMDA Loan Application Totals
and Mortgage Lending Details
for 2022
Tennessee Valley Fcu 2022 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Tennessee Valley Fcu 535 Chestnut Street Chattanooga, TN 37402 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 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 | $150,400 |
| Highest Mortgage Loan Application Amount | $3,605,000 |
| Average Applicant Income | $101,000 |
| Highest Applicant Income | $3,423,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2022 with Tennessee Valley Fcu. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Tennessee Valley Fcu's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2022 breaks down Tennessee Valley Fcu's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Tennessee Valley Fcu serves its applicants.
Each category highlights the total number of mortgage applications processed by Tennessee Valley Fcu, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Tennessee Valley Fcu's mortgage activity for 2022.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Hamilton County Tennessee | 1,576 | $ 261,040,000 | $ 165,000 | $ 112,000 |
| Bradley County Tennessee | 358 | $ 55,190,000 | $ 154,000 | $ 89,000 |
| Catoosa County Georgia | 342 | $ 48,770,000 | $ 142,000 | $ 92,000 |
| Walker County Georgia | 230 | $ 28,540,000 | $ 124,000 | $ 87,000 |
| Marion County Tennessee | 81 | $ 14,515,000 | $ 179,000 | $ 96,000 |
| McMinn County Tennessee | 81 | $ 9,305,000 | $ 114,000 | $ 82,000 |
| Whitfield County Georgia | 48 | $ 8,610,000 | $ 179,000 | $ 77,000 |
| Rhea County Tennessee | 47 | $ 7,945,000 | $ 169,000 | $ 86,000 |
| Dade County Georgia | 34 | $ 4,590,000 | $ 135,000 | $ 85,000 |
| Sequatchie County Tennessee | 27 | $ 4,315,000 | $ 159,000 | $ 103,000 |
| Polk County Tennessee | 26 | $ 4,440,000 | $ 170,000 | $ 97,000 |
| Meigs County Tennessee | 24 | $ 3,790,000 | $ 157,000 | $ 73,000 |
| Murray County Georgia | 17 | $ 2,295,000 | $ 135,000 | $ 82,000 |
| Jackson County Alabama | 15 | $ 1,915,000 | $ 127,000 | $ 70,000 |
| Bledsoe County Tennessee | 14 | $ 1,730,000 | $ 123,000 | $ 97,000 |
| Grundy County Tennessee | 11 | $ 1,105,000 | $ 100,000 | $ 73,000 |
| Knox County Tennessee | 11 | $ 2,855,000 | $ 259,000 | $ 164,000 |
| Davidson County Tennessee | 9 | $ 1,665,000 | $ 185,000 | $ 87,000 |
| DeKalb County Alabama | 6 | $ 790,000 | $ 131,000 | $ 92,000 |
| Chattooga County Georgia | 6 | $ 590,000 | $ 98,000 | $ 71,000 |
| Jefferson County Alabama | 5 | $ 515,000 | $ 103,000 | $ 60,000 |
| Gordon County Georgia | 5 | $ 1,055,000 | $ 211,000 | $ 90,000 |
| Okaloosa County Florida | 4 | $ 1,490,000 | $ 372,000 | $ 435,000 |
| Cherokee County Georgia | 4 | $ 550,000 | $ 137,000 | $ 88,000 |
| Gilmer County Georgia | 4 | $ 880,000 | $ 220,000 | $ 106,000 |
| Putnam County Tennessee | 4 | $ 450,000 | $ 112,000 | $ 185,000 |
| Cumberland County Tennessee | 3 | $ 355,000 | $ 118,000 | $ 76,000 |
| Franklin County Tennessee | 3 | $ 235,000 | $ 78,000 | $ 58,000 |
| Sevier County Tennessee | 3 | $ 605,000 | $ 201,000 | $ 133,000 |
| Williamson County Tennessee | 3 | $ 365,000 | $ 121,000 | $ 121,000 |
| Wilson County Tennessee | 3 | $ 895,000 | $ 298,000 | $ 148,000 |
| Cherokee County Alabama | 2 | $ 310,000 | $ 155,000 | $ 116,000 |
| Madison County Alabama | 2 | $ 150,000 | $ 75,000 | $ 111,000 |
| Bay County Florida | 2 | $ 1,880,000 | $ 940,000 | $ 0 |
| Duval County Florida | 2 | $ 540,000 | $ 270,000 | $ 133,000 |
| Lee County Florida | 2 | $ 660,000 | $ 330,000 | $ 152,000 |
| Pinellas County Florida | 2 | $ 860,000 | $ 430,000 | $ 103,000 |
| Walton County Florida | 2 | $ 1,150,000 | $ 575,000 | $ 596,000 |
| Paulding County Georgia | 2 | $ 110,000 | $ 55,000 | $ 122,000 |
| Coffee County Tennessee | 2 | $ 300,000 | $ 150,000 | $ 107,000 |
| Jefferson County Tennessee | 2 | $ 200,000 | $ 100,000 | $ 92,000 |
| Monroe County Tennessee | 2 | $ 380,000 | $ 190,000 | $ 62,000 |
| Roane County Tennessee | 2 | $ 820,000 | $ 410,000 | $ 242,000 |
| Shelby County Tennessee | 2 | $ 450,000 | $ 225,000 | $ 223,000 |
| Sumner County Tennessee | 2 | $ 450,000 | $ 225,000 | $ 678,000 |
| Baldwin County Alabama | 1 | $ 395,000 | $ 395,000 | $ 176,000 |
| Fayette County Alabama | 1 | $ 95,000 | $ 95,000 | $ 25,000 |
| Mobile County Alabama | 1 | $ 315,000 | $ 315,000 | $ 114,000 |
| Talladega County Alabama | 1 | $ 135,000 | $ 135,000 | $ 82,000 |
| Tuscaloosa County Alabama | 1 | $ 85,000 | $ 85,000 | $ 99,000 |
| Brevard County Florida | 1 | $ 555,000 | $ 555,000 | $ 177,000 |
| Miami-Dade County Florida | 1 | $ 525,000 | $ 525,000 | $ 164,000 |
| Orange County Florida | 1 | $ 495,000 | $ 495,000 | $ 136,000 |
| Polk County Florida | 1 | $ 35,000 | $ 35,000 | $ 85,000 |
| Volusia County Florida | 1 | $ 355,000 | $ 355,000 | $ 69,000 |
| Bartow County Georgia | 1 | $ 255,000 | $ 255,000 | $ 142,000 |
| Clarke County Georgia | 1 | $ 325,000 | $ 325,000 | $ 135,000 |
| Cobb County Georgia | 1 | $ 205,000 | $ 205,000 | $ 110,000 |
| DeKalb County Georgia | 1 | $ 335,000 | $ 335,000 | $ 88,000 |
| Douglas County Georgia | 1 | $ 375,000 | $ 375,000 | $ 65,000 |
| Fannin County Georgia | 1 | $ 405,000 | $ 405,000 | $ 155,000 |
| Fayette County Georgia | 1 | $ 175,000 | $ 175,000 | $ 139,000 |
| Floyd County Georgia | 1 | $ 135,000 | $ 135,000 | $ 153,000 |
| Franklin County Georgia | 1 | $ 225,000 | $ 225,000 | $ 111,000 |
| Fulton County Georgia | 1 | $ 85,000 | $ 85,000 | $ 176,000 |
| Lowndes County Georgia | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Warren County Kentucky | 1 | $ 85,000 | $ 85,000 | $ 382,000 |
| Whitley County Kentucky | 1 | $ 95,000 | $ 95,000 | $ 87,000 |
| Jackson County North Carolina | 1 | $ 885,000 | $ 885,000 | $ 429,000 |
| Westmoreland County Pennsylvania | 1 | $ 115,000 | $ 115,000 | $ 69,000 |
| Anderson County South Carolina | 1 | $ 45,000 | $ 45,000 | $ 102,000 |
| Anderson County Tennessee | 1 | $ 45,000 | $ 45,000 | $ 67,000 |
| Hardeman County Tennessee | 1 | $ 295,000 | $ 295,000 | $ 72,000 |
| Hardin County Tennessee | 1 | $ 75,000 | $ 75,000 | $ 123,000 |
| Hickman County Tennessee | 1 | $ 145,000 | $ 145,000 | $ 93,000 |
| Humphreys County Tennessee | 1 | $ 115,000 | $ 115,000 | $ 138,000 |
| Lincoln County Tennessee | 1 | $ 165,000 | $ 165,000 | $ 134,000 |
| Macon County Tennessee | 1 | $ 55,000 | $ 55,000 | $ 44,000 |
| Rutherford County Tennessee | 1 | $ 155,000 | $ 155,000 | $ 131,000 |
| Scott County Tennessee | 1 | $ 105,000 | $ 105,000 | $ 70,000 |
| Warren County Tennessee | 1 | $ 255,000 | $ 255,000 | $ 91,000 |
| Washington County Tennessee | 1 | $ 865,000 | $ 865,000 | $ 232,000 |
Mortgage Loan Application Detail Totals for Tennessee Valley Fcu 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 Fcu'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 Fcu'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.