Tennessee Valley Federal C U Mortgage Lending & HMDA Data, 2024
In 2024, Tennessee Valley Federal C U of Chattanooga, TN reported 2,354 mortgage applications totaling $374.7 million, down 4% from 2023. The average application was for $159,175, and applicants reported an average income of $111,960. 56% of its applications resulted in an originated loan and 25% were denied. Its largest markets were Chattanooga, TN-GA (1,680), Cleveland, TN (291) and Dalton, GA (80) (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 | 2,354 |
| Total Mortgage Loan Application Amount | $374,700,000 |
| Average Mortgage Loan Application Amount | $159,175 |
| Highest Mortgage Loan Application Amount | $2,035,000 |
| Average Applicant Income | $111,960 |
| Highest Applicant Income | $2,400,000 |
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records Tennessee Valley Federal C U filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,110 | $ 183,320,000 | $ 165,153 | $ 123,000 |
| Bradley, Tennessee | 267 | $ 39,605,000 | $ 148,333 | $ 94,000 |
| Catoosa, Georgia | 245 | $ 35,075,000 | $ 143,163 | $ 96,000 |
| Walker, Georgia | 194 | $ 27,410,000 | $ 141,288 | $ 94,000 |
| Marion, Tennessee | 75 | $ 10,795,000 | $ 143,933 | $ 92,000 |
| McMinn, Tennessee | 68 | $ 9,170,000 | $ 134,852 | $ 87,000 |
| Rhea, Tennessee | 60 | $ 7,760,000 | $ 129,333 | $ 85,000 |
| Whitfield, Georgia | 57 | $ 9,315,000 | $ 163,421 | $ 93,000 |
| Dade, Georgia | 34 | $ 4,180,000 | $ 122,941 | $ 93,000 |
| Meigs, Tennessee | 26 | $ 3,930,000 | $ 151,153 | $ 91,000 |
| Polk, Tennessee | 24 | $ 3,100,000 | $ 129,166 | $ 140,000 |
| Murray, Georgia | 23 | $ 2,955,000 | $ 128,478 | $ 93,000 |
| Sequatchie, Tennessee | 22 | $ 3,820,000 | $ 173,636 | $ 118,000 |
| Bledsoe, Tennessee | 14 | $ 1,460,000 | $ 104,285 | $ 114,000 |
| Knox, Tennessee | 11 | $ 2,095,000 | $ 190,454 | $ 127,000 |
| DeKalb, Alabama | 9 | $ 1,655,000 | $ 183,888 | $ 106,000 |
| Grundy, Tennessee | 9 | $ 1,795,000 | $ 199,444 | $ 104,000 |
| Jackson, Alabama | 8 | $ 670,000 | $ 83,750 | $ 91,000 |
| Monroe, Tennessee | 8 | $ 1,820,000 | $ 227,500 | $ 198,000 |
| Chattooga, Georgia | 4 | $ 360,000 | $ 90,000 | $ 93,000 |
| DeKalb, Georgia | 4 | $ 2,320,000 | $ 580,000 | $ 164,000 |
| Davidson, Tennessee | 4 | $ 820,000 | $ 205,000 | $ 111,000 |
| Rutherford, Tennessee | 4 | $ 770,000 | $ 192,500 | $ 68,000 |
| Williamson, Tennessee | 4 | $ 3,130,000 | $ 782,500 | $ 188,000 |
| Gordon, Georgia | 3 | $ 885,000 | $ 295,000 | $ 114,000 |
| Blount, Tennessee | 3 | $ 1,075,000 | $ 358,333 | $ 161,000 |
| Escambia, Florida | 2 | $ 1,540,000 | $ 770,000 | $ 407,000 |
| Bartow, Georgia | 2 | $ 940,000 | $ 470,000 | $ 153,000 |
| Douglas, Georgia | 2 | $ 250,000 | $ 125,000 | $ 122,000 |
| Lawrence, Indiana | 2 | $ 400,000 | $ 200,000 | $ 58,000 |
| Bedford, Tennessee | 2 | $ 180,000 | $ 90,000 | $ 128,000 |
| Jefferson, Tennessee | 2 | $ 350,000 | $ 175,000 | $ 72,000 |
| Montgomery, Tennessee | 2 | $ 340,000 | $ 170,000 | $ 94,000 |
| Morgan, Tennessee | 2 | $ 670,000 | $ 335,000 | $ 182,000 |
| Blount, Alabama | 1 | $ 245,000 | $ 245,000 | $ 84,000 |
| Calhoun, Alabama | 1 | $ 185,000 | $ 185,000 | $ 68,000 |
| Cullman, Alabama | 1 | $ 375,000 | $ 375,000 | $ 42,000 |
| Jefferson, Alabama | 1 | $ 265,000 | $ 265,000 | $ 110,000 |
| Lamar, Alabama | 1 | $ 25,000 | $ 25,000 | $ 105,000 |
| Madison, Alabama | 1 | $ 205,000 | $ 205,000 | $ 247,000 |
| Mobile, Alabama | 1 | $ 135,000 | $ 135,000 | $ 62,000 |
| Shelby, Alabama | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Pima, Arizona | 1 | $ 45,000 | $ 45,000 | $ 77,000 |
| Clay, Florida | 1 | $ 275,000 | $ 275,000 | $ 110,000 |
| Collier, Florida | 1 | $ 275,000 | $ 275,000 | $ 253,000 |
| Orange, Florida | 1 | $ 615,000 | $ 615,000 | $ 200,000 |
| Santa Rosa, Florida | 1 | $ 65,000 | $ 65,000 | $ 2,160,000 |
| Seminole, Florida | 1 | $ 465,000 | $ 465,000 | $ 200,000 |
| Cherokee, Georgia | 1 | $ 515,000 | $ 515,000 | $ 188,000 |
| Clarke, Georgia | 1 | $ 45,000 | $ 45,000 | $ 54,000 |
| Cobb, Georgia | 1 | $ 185,000 | $ 185,000 | $ 65,000 |
| Dawson, Georgia | 1 | $ 65,000 | $ 65,000 | $ 1,185,000 |
| Fannin, Georgia | 1 | $ 55,000 | $ 55,000 | $ 66,000 |
| Floyd, Georgia | 1 | $ 55,000 | $ 55,000 | $ 41,000 |
| Fulton, Georgia | 1 | $ 355,000 | $ 355,000 | $ 475,000 |
| Gwinnett, Georgia | 1 | $ 605,000 | $ 605,000 | $ 143,000 |
| Paulding, Georgia | 1 | $ 205,000 | $ 205,000 | $ 48,000 |
| Pickens, Georgia | 1 | $ 85,000 | $ 85,000 | $ 100,000 |
| St. Clair, Illinois | 1 | $ 385,000 | $ 385,000 | $ 155,000 |
| Marion, Indiana | 1 | $ 95,000 | $ 95,000 | $ 205,000 |
| Terrebonne, Louisiana | 1 | $ 195,000 | $ 195,000 | $ 118,000 |
| Rankin, Mississippi | 1 | $ 305,000 | $ 305,000 | $ 146,000 |
| St. Charles, Missouri | 1 | $ 515,000 | $ 515,000 | $ 237,000 |
| Lancaster, Nebraska | 1 | $ 255,000 | $ 255,000 | $ 135,000 |
| Mecklenburg, North Carolina | 1 | $ 315,000 | $ 315,000 | $ 149,000 |
| Orange, North Carolina | 1 | $ 405,000 | $ 405,000 | $ 117,000 |
| Randolph, North Carolina | 1 | $ 65,000 | $ 65,000 | $ 174,000 |
| Clay, Tennessee | 1 | $ 205,000 | $ 205,000 | $ 103,000 |
| Cumberland, Tennessee | 1 | $ 95,000 | $ 95,000 | $ 62,000 |
| Dickson, Tennessee | 1 | $ 35,000 | $ 35,000 | $ 53,000 |
| Fentress, Tennessee | 1 | $ 305,000 | $ 305,000 | $ 82,000 |
| Franklin, Tennessee | 1 | $ 155,000 | $ 155,000 | $ 82,000 |
| Greene, Tennessee | 1 | $ 25,000 | $ 25,000 | $ 94,000 |
| Hickman, Tennessee | 1 | $ 315,000 | $ 315,000 | $ 111,000 |
| Maury, Tennessee | 1 | $ 45,000 | $ 45,000 | $ 98,000 |
| Roane, Tennessee | 1 | $ 65,000 | $ 65,000 | $ 110,000 |
| Sevier, Tennessee | 1 | $ 255,000 | $ 255,000 | $ 840,000 |
| Union, Tennessee | 1 | $ 305,000 | $ 305,000 | $ 115,000 |
| Warren, Tennessee | 1 | $ 65,000 | $ 65,000 | $ 90,000 |
| White, Tennessee | 1 | $ 25,000 | $ 25,000 | $ 26,000 |
| Austin, Texas | 1 | $ 285,000 | $ 285,000 | $ 202,000 |
| Park, Wyoming | 1 | $ 505,000 | $ 505,000 | $ 114,000 |
Mortgage Loan Application Detail Totals for Tennessee Valley Federal C U in 2024
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 | 764 | $63,870,000 | $83,000 | $505,000 | $106,000 | $2,160,000 |
| Home Purchase | 601 | $181,135,000 | $301,000 | $2,035,000 | $122,000 | $1,089,000 |
| Other Purpose | 503 | $44,915,000 | $89,000 | $605,000 | $112,000 | $1,927,000 |
| Cash-out Refinancing | 402 | $63,800,000 | $158,000 | $735,000 | $103,000 | $635,000 |
| Refinancing | 84 | $20,980,000 | $249,000 | $1,655,000 | $137,000 | $2,400,000 |
| 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 | 1,871 | $292,765,000 | $156,000 | $1,655,000 | $111,000 | $2,400,000 |
| Not Provided | 185 | $27,115,000 | $146,000 | $735,000 | $128,000 | $1,788,000 |
| Black or African American | 143 | $19,925,000 | $139,000 | $595,000 | $86,000 | $312,000 |
| Hispanic | 77 | $14,005,000 | $181,000 | $595,000 | $119,000 | $696,000 |
| Not applicable | 35 | $12,095,000 | $345,000 | $2,035,000 | $0 | $0 |
| Asian | 28 | $7,190,000 | $256,000 | $1,935,000 | $165,000 | $840,000 |
| American Indian or Alaskan Native | 12 | $1,410,000 | $117,000 | $295,000 | $88,000 | $227,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $195,000 | $65,000 | $75,000 | $83,000 | $110,000 |
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) | 2,340 | $371,090,000 | $158,000 | $2,035,000 | $112,000 | $2,400,000 |
| VA-guaranteed (Veterans Administration) | 14 | $3,610,000 | $257,000 | $445,000 | $99,000 | $152,000 |
| 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 | 1,316 | $223,640,000 | $169,000 | $2,035,000 | $113,000 | $1,089,000 |
| Application Denied By Financial Institution | 592 | $79,500,000 | $134,000 | $1,655,000 | $99,000 | $2,160,000 |
| Application Withdrawn By Applicant | 415 | $67,265,000 | $162,000 | $745,000 | $127,000 | $2,400,000 |
| Application Approved But Not Accepted | 31 | $4,295,000 | $138,000 | $465,000 | $100,000 | $186,000 |
| 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 | 1,762 | $295,200,000 | $167,000 | $2,035,000 | $116,000 | $2,400,000 |
| Debt-To-Income Ratio | 256 | $39,060,000 | $152,000 | $1,655,000 | $64,000 | $500,000 |
| Credit History | 121 | $10,285,000 | $85,000 | $505,000 | $108,000 | $1,185,000 |
| Collateral | 85 | $12,245,000 | $144,000 | $725,000 | $148,000 | $2,160,000 |
| Credit Application Incomplete | 71 | $9,675,000 | $136,000 | $615,000 | $134,000 | $1,927,000 |
| Other | 38 | $4,600,000 | $121,000 | $605,000 | $139,000 | $2,108,000 |
| Unverifiable Information | 8 | $1,170,000 | $146,000 | $535,000 | $69,000 | $120,000 |
| Employment History | 7 | $975,000 | $139,000 | $305,000 | $43,000 | $186,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $1,490,000 | $248,000 | $475,000 | $84,000 | $140,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Tennessee Valley Federal C U's 2024 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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