TENNESSEE VALLEY FCU
TENNESSEE VALLEY FCU received 2,493 applications in 2025 and made 1,392 mortgages, in 84 counties across 16 states. The median rate its borrowers got was 6.589% on a median loan of $155,000. Of 1,998 decisions, 579 were denials — 29.0%, most often for debt-to-income ratio.
| Legal Entity Identifier | 5493007669OVCSCATP45 |
|---|---|
| Applications received | 2,493 |
| Mortgages made | 1,392 |
| Denied | 579 |
| Approved, not taken up | 27 |
| Withdrawn or incomplete | 495 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.4135 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 | 532 | 5.809% | $275,000 | 13.4% |
| Refinancing | 58 | 5.601% | $265,000 | 31.0% |
| Cash-out refinancing | 266 | 6.586% | $155,000 | 32.4% |
| Other purposes | 536 | 8.000% | $75,000 | 38.0% |
Where TENNESSEE VALLEY FCU lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Hamilton County, TN | 678 | 6.627% | 26.5% |
| Catoosa County, GA | 146 | 6.375% | 29.0% |
| Bradley County, TN | 118 | 7.628% | 29.2% |
| Walker County, GA | 94 | 6.541% | 35.2% |
| Rhea County, TN | 41 | 6.875% | 34.3% |
| Whitfield County, GA | 37 | 6.124% | 44.9% |
| McMinn County, TN | 36 | 6.625% | 34.6% |
| Marion County, TN | 36 | 7.003% | 22.9% |
| Dade County, GA | 28 | 6.568% | 25.6% |
| Murray County, GA | 27 | 6.165% | 15.2% |
| Sequatchie County, TN | 25 | 7.115% | 17.7% |
| Polk County, TN | 15 | 6.343% | 34.8% |
| Meigs County, TN | 10 | 6.500% | 42.1% |
| Davidson County, TN | 8 | Under 10 loans | 11.1% |
| Jackson County, AL | 6 | Under 10 loans | 33.3% |
| Bledsoe County, TN | 6 | Under 10 loans | 50.0% |
| DeKalb County, AL | 5 | Under 10 loans | 28.6% |
| Chattooga County, GA | 5 | Under 10 loans | 37.5% |
| Knox County, TN | 5 | Under 10 loans | 0.0% |
| Grundy County, TN | 4 | Under 10 loans | 55.6% |
| Williamson County, TN | 4 | Under 10 loans | 33.3% |
| Franklin County, TN | 3 | Under 10 loans | 0.0% |
| Monroe County, TN | 3 | Under 10 loans | 66.7% |
| Rutherford County, TN | 3 | Under 10 loans | 25.0% |
| Sumner County, TN | 3 | Under 10 loans | 25.0% |
| Baldwin County, AL | 2 | Under 10 loans | 0.0% |
| Limestone County, AL | 2 | Under 10 loans | 0.0% |
| Bay County, FL | 2 | Under 10 loans | 0.0% |
| Cobb County, GA | 2 | Under 10 loans | 0.0% |
| Floyd County, GA | 2 | Under 10 loans | 0.0% |
| Gordon County, GA | 2 | Under 10 loans | 33.3% |
| Richland County, SC | 2 | Under 10 loans | 0.0% |
| Sevier County, TN | 2 | Under 10 loans | 0.0% |
| Wilson County, TN | 2 | Under 10 loans | 0.0% |
| Madison County, AL | 1 | Under 10 loans | 0.0% |
| Douglas County, CO | 1 | Under 10 loans | 66.7% |
| Escambia County, FL | 1 | Under 10 loans | 0.0% |
| Pinellas County, FL | 1 | Under 10 loans | 50.0% |
| Sarasota County, FL | 1 | Under 10 loans | 0.0% |
| Fannin County, GA | 1 | Under 10 loans | 50.0% |
| Fulton County, GA | 1 | Under 10 loans | 50.0% |
| Monroe County, GA | 1 | Under 10 loans | 0.0% |
| Marion County, IN | 1 | Under 10 loans | 0.0% |
| Johnson County, KS | 1 | Under 10 loans | 0.0% |
| Hancock County, KY | 1 | Under 10 loans | 0.0% |
| Simpson County, KY | 1 | Under 10 loans | 0.0% |
| Jackson County, MS | 1 | Under 10 loans | 0.0% |
| Clay County, MO | 1 | Under 10 loans | 0.0% |
| Cherokee County, NC | 1 | Under 10 loans | 0.0% |
| Fairfield County, OH | 1 | Under 10 loans | 0.0% |
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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.