ALCOA TENN FEDERAL CREDIT UNION
ALCOA TENN FEDERAL CREDIT UNION received 166 applications in 2025 and made 116 mortgages, in 7 counties across 1 state. The median rate its borrowers got was 6.070% on a median loan of $150,000. Of 157 decisions, 21 were denials — 13.4%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300DV2WBWN5ZEMV06 |
|---|---|
| Applications received | 166 |
| Mortgages made | 116 |
| Denied | 21 |
| Approved, not taken up | 20 |
| Withdrawn or incomplete | 9 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.396 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 31 | 5.950% | $245,000 | 10.9% |
| Refinancing | 13 | 6.240% | $155,000 | 17.7% |
| Cash-out refinancing | 72 | 6.175% | $125,000 | 13.8% |
Where ALCOA TENN FEDERAL CREDIT UNION lends most
The 7 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Blount County, TN | 89 | 5.990% | 14.1% |
| Knox County, TN | 11 | 5.990% | 0.0% |
| Loudon County, TN | 6 | Under 10 loans | 22.2% |
| Monroe County, TN | 4 | Under 10 loans | 12.5% |
| Sevier County, TN | 4 | Under 10 loans | 20.0% |
| Anderson County, TN | 1 | Under 10 loans | 0.0% |
| Roane County, TN | 1 | Under 10 loans | 0.0% |
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When ALCOA TENN FEDERAL CREDIT UNION’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.