Alcoa Tenn Federal Credit Union mortgage approval rate & lending review
Alcoa Tenn Federal Credit Union decided 369 mortgage applications and funded 290 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Alcoa Tenn Federal Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Alcoa Tenn Federal Credit Union at a glance
Approval is 12.5 points above the 74.5% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 96% | 91 / 95 | 86% | $205K | 78 |
| Cash-out refinance | 85% | 187 / 220 | 92% | $105K | 172 |
| Refinance | 74% | 26 / 35 | 92% | $165K | 24 |
Alcoa Tenn Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Tennessee | 87% | $105K | 369 | 290 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Alcoa Tenn Federal Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Blount County, TN | Cash-out refinance | 84% | 211 | 163 |
| Blount County, TN | Mortgage lenders | 96% | 76 | 62 |
| Blount County, TN | Refinance | 74% | 35 | 24 |
The county markets where Alcoa Tenn Federal Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Alcoa Tenn Federal Credit Union
What is Alcoa Tenn Federal Credit Union's mortgage approval rate?
Alcoa Tenn Federal Credit Union approved 87.0% of the 369 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 12.5 points above the 74.5% national rate for the same mix of loan types.
How often do borrowers take the loan Alcoa Tenn Federal Credit Union offers?
Borrowers accepted 90% of the loans Alcoa Tenn Federal Credit Union approved, against 94% for all cash-out refinance lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Alcoa Tenn Federal Credit Union make?
The typical cash-out refinance loan Alcoa Tenn Federal Credit Union made was $105K; across all loan types its typical loan ran from $105K to $205K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Alcoa Tenn Federal Credit Union lend?
Alcoa Tenn Federal Credit Union decided applications in 1 of the states Fat Boy Data covers, most of them in Tennessee.
Can I apply to Alcoa Tenn Federal Credit Union directly?
Yes. Alcoa Tenn Federal Credit Union is a bank or credit union with 5 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Alcoa Tenn Federal Credit Union's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Alcoa Tenn Federal Credit Union treats applications, then get a rate quote from the lender.