Tennessee Valley Fcu
HMDA Loan Application Totals
and Mortgage Lending Details
for 2023
Tennessee Valley Fcu 2023 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 | 2,448 |
| Total Mortgage Loan Application Amount | $374,840,000 |
| Average Mortgage Loan Application Amount | $169,800 |
| Highest Mortgage Loan Application Amount | $2,125,000 |
| Average Applicant Income | $116,000 |
| Highest Applicant Income | $4,564,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2023 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 2023 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 2023.
| 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 | 1,176 | $ 186,910,000 | $ 158,000 | $ 122,000 |
| Bradley County Tennessee | 302 | $ 39,770,000 | $ 131,000 | $ 104,000 |
| Catoosa County Georgia | 283 | $ 42,055,000 | $ 148,000 | $ 105,000 |
| Walker County Georgia | 209 | $ 25,055,000 | $ 119,000 | $ 98,000 |
| Whitfield County Georgia | 62 | $ 12,730,000 | $ 205,000 | $ 109,000 |
| McMinn County Tennessee | 58 | $ 7,240,000 | $ 124,000 | $ 86,000 |
| Marion County Tennessee | 56 | $ 8,840,000 | $ 157,000 | $ 99,000 |
| Rhea County Tennessee | 44 | $ 4,980,000 | $ 113,000 | $ 85,000 |
| Polk County Tennessee | 37 | $ 4,415,000 | $ 119,000 | $ 127,000 |
| Sequatchie County Tennessee | 25 | $ 3,515,000 | $ 140,000 | $ 114,000 |
| Dade County Georgia | 23 | $ 3,155,000 | $ 137,000 | $ 112,000 |
| Meigs County Tennessee | 18 | $ 2,730,000 | $ 151,000 | $ 91,000 |
| Murray County Georgia | 13 | $ 1,385,000 | $ 106,000 | $ 69,000 |
| Bledsoe County Tennessee | 10 | $ 940,000 | $ 94,000 | $ 93,000 |
| DeKalb County Alabama | 8 | $ 520,000 | $ 65,000 | $ 61,000 |
| Jackson County Alabama | 8 | $ 1,040,000 | $ 130,000 | $ 72,000 |
| Knox County Tennessee | 8 | $ 2,660,000 | $ 332,000 | $ 165,000 |
| Monroe County Tennessee | 8 | $ 1,630,000 | $ 203,000 | $ 128,000 |
| Chattooga County Georgia | 7 | $ 1,735,000 | $ 247,000 | $ 138,000 |
| Cobb County Georgia | 7 | $ 1,195,000 | $ 170,000 | $ 211,000 |
| Gordon County Georgia | 6 | $ 1,480,000 | $ 246,000 | $ 138,000 |
| Madison County Alabama | 4 | $ 420,000 | $ 105,000 | $ 184,000 |
| Gilmer County Georgia | 4 | $ 880,000 | $ 220,000 | $ 112,000 |
| Davidson County Tennessee | 4 | $ 760,000 | $ 190,000 | $ 126,000 |
| Rutherford County Tennessee | 4 | $ 810,000 | $ 202,000 | $ 124,000 |
| Baldwin County Alabama | 3 | $ 1,035,000 | $ 345,000 | $ 229,000 |
| Bartow County Georgia | 3 | $ 925,000 | $ 308,000 | $ 114,000 |
| Grundy County Tennessee | 3 | $ 275,000 | $ 91,000 | $ 124,000 |
| Fannin County Georgia | 2 | $ 340,000 | $ 170,000 | $ 117,000 |
| Pickens County Georgia | 2 | $ 450,000 | $ 225,000 | $ 437,000 |
| Spalding County Georgia | 2 | $ 510,000 | $ 255,000 | $ 78,000 |
| Tift County Georgia | 2 | $ 380,000 | $ 190,000 | $ 88,000 |
| York County South Carolina | 2 | $ 720,000 | $ 360,000 | $ 87,000 |
| Putnam County Tennessee | 2 | $ 470,000 | $ 235,000 | $ 101,000 |
| Cullman County Alabama | 1 | $ 245,000 | $ 245,000 | $ 64,000 |
| Jefferson County Alabama | 1 | $ 35,000 | $ 35,000 | $ 70,000 |
| Lauderdale County Alabama | 1 | $ 305,000 | $ 305,000 | $ 267,000 |
| Limestone County Alabama | 1 | $ 255,000 | $ 255,000 | $ 110,000 |
| Broward County Florida | 1 | $ 365,000 | $ 365,000 | $ 68,000 |
| Charlotte County Florida | 1 | $ 295,000 | $ 295,000 | $ 104,000 |
| Escambia County Florida | 1 | $ 205,000 | $ 205,000 | $ 146,000 |
| Hillsborough County Florida | 1 | $ 425,000 | $ 425,000 | $ 0 |
| Lake County Florida | 1 | $ 105,000 | $ 105,000 | $ 138,000 |
| Orange County Florida | 1 | $ 465,000 | $ 465,000 | $ 139,000 |
| Fayette County Georgia | 1 | $ 155,000 | $ 155,000 | $ 247,000 |
| Gwinnett County Georgia | 1 | $ 185,000 | $ 185,000 | $ 157,000 |
| Habersham County Georgia | 1 | $ 395,000 | $ 395,000 | $ 235,000 |
| Lee County Georgia | 1 | $ 15,000 | $ 15,000 | $ 95,000 |
| Muscogee County Georgia | 1 | $ 135,000 | $ 135,000 | $ 13,000 |
| Towns County Georgia | 1 | $ 135,000 | $ 135,000 | $ 105,000 |
| Porter County Indiana | 1 | $ 65,000 | $ 65,000 | $ 32,000 |
| Fayette County Kentucky | 1 | $ 295,000 | $ 295,000 | $ 324,000 |
| Lafayette County Mississippi | 1 | $ 395,000 | $ 395,000 | $ 223,000 |
| Gallatin County Montana | 1 | $ 1,745,000 | $ 1,745,000 | $ 0 |
| Iredell County North Carolina | 1 | $ 1,415,000 | $ 1,415,000 | $ 466,000 |
| Lincoln County North Carolina | 1 | $ 155,000 | $ 155,000 | $ 36,000 |
| Polk County North Carolina | 1 | $ 145,000 | $ 145,000 | $ 49,000 |
| Greene County Ohio | 1 | $ 655,000 | $ 655,000 | $ 384,000 |
| Warren County Ohio | 1 | $ 625,000 | $ 625,000 | $ 384,000 |
| Dillon County South Carolina | 1 | $ 135,000 | $ 135,000 | $ 87,000 |
| Claiborne County Tennessee | 1 | $ 125,000 | $ 125,000 | $ 78,000 |
| Cocke County Tennessee | 1 | $ 95,000 | $ 95,000 | $ 72,000 |
| Cumberland County Tennessee | 1 | $ 95,000 | $ 95,000 | $ 62,000 |
| Hawkins County Tennessee | 1 | $ 125,000 | $ 125,000 | $ 80,000 |
| Jefferson County Tennessee | 1 | $ 205,000 | $ 205,000 | $ 301,000 |
| Lawrence County Tennessee | 1 | $ 245,000 | $ 245,000 | $ 83,000 |
| Loudon County Tennessee | 1 | $ 275,000 | $ 275,000 | $ 419,000 |
| Maury County Tennessee | 1 | $ 155,000 | $ 155,000 | $ 60,000 |
| Moore County Tennessee | 1 | $ 95,000 | $ 95,000 | $ 67,000 |
| Perry County Tennessee | 1 | $ 375,000 | $ 375,000 | $ 0 |
| Roane County Tennessee | 1 | $ 25,000 | $ 25,000 | $ 150,000 |
| Robertson County Tennessee | 1 | $ 35,000 | $ 35,000 | $ 72,000 |
| Sevier County Tennessee | 1 | $ 725,000 | $ 725,000 | $ 148,000 |
| Warren County Tennessee | 1 | $ 315,000 | $ 315,000 | $ 90,000 |
| Williamson County Tennessee | 1 | $ 565,000 | $ 565,000 | $ 183,000 |
| Henrico County Virginia | 1 | $ 25,000 | $ 25,000 | $ 62,000 |
| Raleigh County West Virginia | 1 | $ 55,000 | $ 55,000 | $ 100,000 |
Mortgage Loan Application Detail Totals for Tennessee Valley Fcu in 2023
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 |
|---|---|---|---|---|---|---|
| Home Improvement | 777 | $63,085,000 | $81,000 | $755,000 | $110,000 | $2,160,000 |
| Home Purchase | 668 | $193,370,000 | $289,000 | $1,745,000 | $127,000 | $1,901,000 |
| Other Purpose | 611 | $50,655,000 | $82,000 | $605,000 | $106,000 | $4,564,000 |
| Cash-out Refinancing | 339 | $55,295,000 | $163,000 | $2,125,000 | $109,000 | $1,345,000 |
| Refinancing | 53 | $12,435,000 | $234,000 | $1,105,000 | $128,000 | $1,360,000 |
| 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 | 1,894 | $284,240,000 | $150,000 | $1,205,000 | $116,000 | $4,564,000 |
| Not Provided | 222 | $32,940,000 | $148,000 | $725,000 | $115,000 | $1,901,000 |
| Black or African American | 163 | $19,955,000 | $122,000 | $1,415,000 | $90,000 | $825,000 |
| Hispanic | 76 | $12,310,000 | $161,000 | $825,000 | $90,000 | $263,000 |
| Not applicable | 59 | $18,335,000 | $310,000 | $2,125,000 | $0 | $0 |
| Asian | 15 | $3,755,000 | $250,000 | $595,000 | $113,000 | $229,000 |
| American Indian or Alaskan Native | 12 | $1,690,000 | $140,000 | $425,000 | $75,000 | $121,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 2,445 | $374,025,000 | $152,000 | $2,125,000 | $113,000 | $4,564,000 |
| VA-guaranteed (Veterans Administration) | 3 | $815,000 | $271,000 | $375,000 | $115,000 | $150,000 |
| 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 |
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 | 1,428 | $236,350,000 | $165,000 | $2,125,000 | $113,000 | $1,901,000 |
| Application Denied By Financial Institution | 513 | $62,935,000 | $122,000 | $845,000 | $94,000 | $4,564,000 |
| Application Withdrawn By Applicant | 486 | $72,520,000 | $149,000 | $1,205,000 | $136,000 | $2,160,000 |
| Application Approved But Not Accepted | 21 | $3,035,000 | $144,000 | $455,000 | $100,000 | $281,000 |
| File Closed For Incompleteness | 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 |
|---|---|---|---|---|---|---|
| Not applicable | 1,935 | $311,905,000 | $161,000 | $2,125,000 | $119,000 | $2,160,000 |
| Debt-To-Income Ratio | 198 | $27,500,000 | $138,000 | $655,000 | $65,000 | $287,000 |
| Credit History | 118 | $9,600,000 | $81,000 | $505,000 | $106,000 | $1,510,000 |
| Credit Application Incomplete | 76 | $9,680,000 | $127,000 | $845,000 | $91,000 | $360,000 |
| Collateral | 58 | $7,550,000 | $130,000 | $725,000 | $186,000 | $4,564,000 |
| Other | 35 | $4,275,000 | $122,000 | $405,000 | $91,000 | $301,000 |
| Unverifiable Information | 23 | $3,895,000 | $169,000 | $725,000 | $66,000 | $187,000 |
| Employment History | 4 | $230,000 | $57,000 | $75,000 | $78,000 | $170,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $205,000 | $205,000 | $205,000 | $116,000 | $116,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Tennessee Valley Fcu's 2023 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.