Tennessee Valley Federal C U Mortgage Lending & HMDA Data, 2025
In 2025, Tennessee Valley Federal C U of Chattanooga, TN reported 2,493 mortgage applications totaling $471.0 million, up 6% from 2024. The average application was for $188,918, and applicants reported an average income of $120,003. 56% of its applications resulted in an originated loan and 23% were denied. Its largest markets were Chattanooga, TN-GA (1,782), Cleveland, TN (238) and Dalton, GA (123) (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 | 2,493 |
| Total Mortgage Loan Application Amount | $470,975,000 |
| Average Mortgage Loan Application Amount | $188,918 |
| Highest Mortgage Loan Application Amount | $2,505,000 |
| Average Applicant Income | $120,003 |
| Highest Applicant Income | $4,255,000 |
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records Tennessee Valley Federal C U filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Chattanooga, TN-GA | 1,782 | $ 335,910,000 | $ 188,501 | $ 121,239 |
| Outside any metro area | 252 | $ 42,910,000 | $ 170,277 | $ 100,869 |
| Cleveland, TN | 238 | $ 38,310,000 | $ 160,966 | $ 115,000 |
| Dalton, GA | 123 | $ 22,605,000 | $ 183,780 | $ 96,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 31 | $ 12,385,000 | $ 399,516 | $ 185,000 |
| Knoxville, TN | 12 | $ 3,600,000 | $ 300,000 | $ 112,000 |
| Atlanta-Sandy Springs-Roswell, GA | 7 | $ 1,615,000 | $ 230,714 | $ 140,000 |
| Huntsville, AL | 4 | $ 790,000 | $ 197,500 | $ 349,000 |
| Marietta, GA | 4 | $ 670,000 | $ 167,500 | $ 133,000 |
| Rome, GA | 4 | $ 1,200,000 | $ 300,000 | $ 247,000 |
| St. Petersburg-Clearwater-Largo, FL | 4 | $ 2,510,000 | $ 627,500 | $ 222,000 |
| Denver-Aurora-Lakewood, CO | 3 | $ 935,000 | $ 311,666 | $ 138,000 |
| Columbia, SC | 2 | $ 180,000 | $ 90,000 | $ 30,000 |
| Daphne-Fairhope-Foley, AL | 2 | $ 1,380,000 | $ 690,000 | $ 120,000 |
| Kansas City, MO-KS | 2 | $ 640,000 | $ 320,000 | $ 129,500 |
| Memphis, TN-MS-AR | 2 | $ 130,000 | $ 65,000 | $ 130,000 |
| Panama City, FL | 2 | $ 470,000 | $ 235,000 | $ 368,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 2 | $ 910,000 | $ 455,000 | $ 117,000 |
| Clarksville, TN-KY | 1 | $ 255,000 | $ 255,000 | $ 183,000 |
| Columbus, OH | 1 | $ 315,000 | $ 315,000 | $ 146,000 |
| Gulfport-Biloxi-Pascagoula, MS | 1 | $ 295,000 | $ 295,000 | $ 69,000 |
| Houston-The Woodlands-Sugar Land, TX | 1 | $ 95,000 | $ 95,000 | $ 202,000 |
| Indianapolis-Carmel-Anderson, IN | 1 | $ 85,000 | $ 85,000 | $ 142,000 |
| Jackson, TN | 1 | $ 255,000 | $ 255,000 | $ 161,000 |
| Jacksonville, NC | 1 | $ 285,000 | $ 285,000 | $ 251,000 |
| Johnson City, TN | 1 | $ 65,000 | $ 65,000 | $ 144,000 |
| Macon-Bibb County, GA | 1 | $ 455,000 | $ 455,000 | $ 0 |
| Morristown, TN | 1 | $ 605,000 | $ 605,000 | $ 187,000 |
| North Port-Sarasota-Bradenton, FL | 1 | $ 275,000 | $ 275,000 | $ 107,000 |
| Orlando-Kissimmee-Sanford, FL | 1 | $ 155,000 | $ 155,000 | $ 74,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 155,000 | $ 155,000 | $ 57,000 |
| Riverside-San Bernardino-Ontario, CA | 1 | $ 45,000 | $ 45,000 | $ 24,000 |
| San Antonio-New Braunfels, TX | 1 | $ 65,000 | $ 65,000 | $ 2,316,000 |
| Savannah, GA | 1 | $ 105,000 | $ 105,000 | $ 105,000 |
| Wildwood-The Villages, FL | 1 | $ 315,000 | $ 315,000 | $ 86,000 |
Mortgage Loan Application Detail Totals for Tennessee Valley Federal C U in 2025
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 Purchase | 771 | $237,945,000 | $308,000 | $2,505,000 | $134,000 | $2,700,000 |
| Home Improvement | 682 | $61,570,000 | $90,000 | $505,000 | $121,000 | $4,255,000 |
| Cash-out Refinancing | 505 | $99,895,000 | $197,000 | $1,875,000 | $107,000 | $1,588,000 |
| Other Purpose | 421 | $40,735,000 | $96,000 | $1,525,000 | $107,000 | $2,400,000 |
| Refinancing | 114 | $30,830,000 | $270,000 | $1,005,000 | $125,000 | $513,000 |
| 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 | 1,943 | $366,175,000 | $188,000 | $2,505,000 | $121,000 | $4,255,000 |
| Not Provided | 220 | $44,510,000 | $202,000 | $1,875,000 | $120,000 | $552,000 |
| Black or African American | 140 | $18,060,000 | $129,000 | $665,000 | $79,000 | $259,000 |
| Hispanic | 100 | $21,260,000 | $212,000 | $1,525,000 | $152,000 | $2,400,000 |
| Not applicable | 35 | $8,245,000 | $235,000 | $1,325,000 | $0 | $0 |
| Asian | 32 | $9,010,000 | $281,000 | $765,000 | $152,000 | $422,000 |
| American Indian or Alaskan Native | 21 | $3,405,000 | $162,000 | $595,000 | $91,000 | $229,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $310,000 | $155,000 | $285,000 | $84,000 | $92,000 |
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) | 2,446 | $458,780,000 | $187,000 | $2,505,000 | $120,000 | $4,255,000 |
| FHA-insured (Federal Housing Administration) | 25 | $5,755,000 | $230,000 | $345,000 | $89,000 | $249,000 |
| VA-guaranteed (Veterans Administration) | 19 | $5,925,000 | $311,000 | $535,000 | $114,000 | $263,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $515,000 | $171,000 | $215,000 | $46,000 | $55,000 |
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 | 1,392 | $282,180,000 | $202,000 | $1,375,000 | $121,000 | $1,588,000 |
| Application Denied By Financial Institution | 579 | $88,675,000 | $153,000 | $2,505,000 | $107,000 | $2,700,000 |
| Application Withdrawn By Applicant | 495 | $95,475,000 | $192,000 | $805,000 | $132,000 | $4,255,000 |
| Application Approved But Not Accepted | 27 | $4,645,000 | $172,000 | $425,000 | $132,000 | $528,000 |
| 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 | 1,914 | $382,300,000 | $199,000 | $1,375,000 | $124,000 | $4,255,000 |
| Debt-To-Income Ratio | 283 | $44,865,000 | $158,000 | $1,525,000 | $67,000 | $314,000 |
| Credit History | 115 | $14,225,000 | $123,000 | $1,875,000 | $102,000 | $552,000 |
| Credit Application Incomplete | 60 | $8,550,000 | $142,000 | $695,000 | $138,000 | $1,980,000 |
| Collateral | 59 | $11,895,000 | $201,000 | $2,505,000 | $237,000 | $2,700,000 |
| Other | 39 | $4,105,000 | $105,000 | $405,000 | $162,000 | $2,316,000 |
| Unverifiable Information | 11 | $1,715,000 | $155,000 | $305,000 | $95,000 | $267,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 7 | $1,825,000 | $260,000 | $585,000 | $125,000 | $249,000 |
| Employment History | 5 | $1,495,000 | $299,000 | $505,000 | $105,000 | $166,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Tennessee Valley Federal C U's 2025 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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