Y-12 Federal Credit Union
Y-12 Federal Credit Union received 1,686 applications in 2025 and made 988 mortgages, in 51 counties across 9 states. The median rate its borrowers got was 7.250% on a median loan of $115,000. Of 1,526 decisions, 525 were denials — 34.4%, most often for credit history.
| Legal Entity Identifier | 5493004NO7XCFVG4KD53 |
|---|---|
| Applications received | 1,686 |
| Mortgages made | 988 |
| Denied | 525 |
| Approved, not taken up | 13 |
| Withdrawn or incomplete | 160 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.26 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 | 213 | 6.700% | $275,000 | 9.7% |
| Refinancing | 33 | 6.400% | $215,000 | 13.2% |
| Cash-out refinancing | 281 | 7.250% | $135,000 | 30.8% |
| Other purposes | 461 | 7.250% | $75,000 | 44.2% |
Where Y-12 Federal Credit Union 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 |
|---|---|---|---|
| Knox County, TN | 330 | 7.250% | 30.4% |
| Blount County, TN | 151 | 7.250% | 30.0% |
| Anderson County, TN | 145 | 7.250% | 36.0% |
| Roane County, TN | 66 | 7.250% | 34.6% |
| Campbell County, TN | 64 | 7.250% | 41.3% |
| Sevier County, TN | 50 | 7.250% | 28.6% |
| Loudon County, TN | 43 | 7.500% | 24.6% |
| Morgan County, TN | 27 | 7.250% | 32.5% |
| Claiborne County, TN | 11 | 7.300% | 56.0% |
| Monroe County, TN | 11 | 7.500% | 50.0% |
| Scott County, TN | 11 | 6.750% | 35.3% |
| Cumberland County, TN | 8 | Under 10 loans | 50.0% |
| Union County, TN | 8 | Under 10 loans | 35.7% |
| Bell County, KY | 7 | Under 10 loans | 65.0% |
| Whitley County, KY | 6 | Under 10 loans | 33.3% |
| Hamblen County, TN | 6 | Under 10 loans | 45.5% |
| Jefferson County, TN | 6 | Under 10 loans | 41.7% |
| Laurel County, KY | 5 | Under 10 loans | 28.6% |
| Washington County, TN | 5 | Under 10 loans | 28.6% |
| Grainger County, TN | 4 | Under 10 loans | 42.9% |
| Hamilton County, TN | 3 | Under 10 loans | 0.0% |
| Cocke County, TN | 2 | Under 10 loans | 71.4% |
| Hancock County, TN | 2 | Under 10 loans | 0.0% |
| McMinn County, TN | 2 | Under 10 loans | 60.0% |
| Putnam County, TN | 2 | Under 10 loans | 0.0% |
| Volusia County, FL | 1 | Under 10 loans | 0.0% |
| Harlan County, KY | 1 | Under 10 loans | 0.0% |
| Jackson County, KY | 1 | Under 10 loans | 0.0% |
| Jessamine County, KY | 1 | Under 10 loans | 0.0% |
| Knox County, KY | 1 | Under 10 loans | 50.0% |
| Bradley County, TN | 1 | Under 10 loans | 50.0% |
| Dickson County, TN | 1 | Under 10 loans | 0.0% |
| Fentress County, TN | 1 | Under 10 loans | 0.0% |
| Greene County, TN | 1 | Under 10 loans | 0.0% |
| Rhea County, TN | 1 | Under 10 loans | 75.0% |
| Robertson County, TN | 1 | Under 10 loans | 0.0% |
| Sullivan County, TN | 1 | Under 10 loans | 0.0% |
| Unicoi County, TN | 1 | Under 10 loans | 0.0% |
| Ventura County, CA | 0 | Under 10 loans | 100.0% |
| Leon County, FL | 0 | Under 10 loans | 100.0% |
| Will County, IL | 0 | Under 10 loans | 100.0% |
| LaPorte County, IN | 0 | Under 10 loans | 100.0% |
| Greene County, MO | 0 | Under 10 loans | 100.0% |
| Durham County, NC | 0 | Under 10 loans | 100.0% |
| Davidson County, TN | 0 | Under 10 loans | 100.0% |
| Macon County, TN | 0 | Under 10 loans | 100.0% |
| Maury County, TN | 0 | Under 10 loans | Not published |
| Rutherford County, TN | 0 | Under 10 loans | 100.0% |
| Shelby County, TN | 0 | Under 10 loans | 100.0% |
| Wilson County, TN | 0 | Under 10 loans | 100.0% |
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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.