TVA COMMUNITY CREDIT UNION
TVA COMMUNITY CREDIT UNION received 117 applications in 2025 and made 107 mortgages, in 12 counties across 4 states. The median rate its borrowers got was 6.250% on a median loan of $105,000. Of 116 decisions, 9 were denials — 7.8%, most often for credit history.
| Legal Entity Identifier | 2549004IXUWDS2CYU578 |
|---|---|
| Applications received | 117 |
| Mortgages made | 107 |
| Denied | 9 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 1 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -0.17 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 | 20 | 5.950% | $180,000 | 0.0% |
| Refinancing | 26 | 6.225% | $140,000 | 18.8% |
| Cash-out refinancing | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Other purposes | 54 | 6.975% | $65,000 | 3.6% |
Where TVA COMMUNITY CREDIT UNION lends most
The 12 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Lauderdale County, AL | 46 | 6.225% | 11.5% |
| Colbert County, AL | 30 | 6.250% | 3.2% |
| Limestone County, AL | 18 | 6.850% | 5.3% |
| Franklin County, AL | 4 | Under 10 loans | 0.0% |
| Lawrence County, AL | 2 | Under 10 loans | 0.0% |
| Morgan County, AL | 2 | Under 10 loans | 0.0% |
| Baldwin County, AL | 1 | Under 10 loans | 0.0% |
| Effingham County, GA | 1 | Under 10 loans | 0.0% |
| Tishomingo County, MS | 1 | Under 10 loans | 0.0% |
| Sumner County, TN | 1 | Under 10 loans | 0.0% |
| Wayne County, TN | 1 | Under 10 loans | 0.0% |
| Madison County, AL | 0 | Under 10 loans | 100.0% |
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When TVA COMMUNITY 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.