Tennessee Valley FCU mortgage approval rate & lending review
Tennessee Valley FCU decided 2,955 mortgage applications and funded 2,176 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Tennessee Valley FCU reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Tennessee Valley FCU at a glance
Approval is 2.0 points above the 73.2% 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 | 88% | 817 / 932 | 99% | $315K | 807 |
| Home improvement loans | 67% | 766 / 1,148 | 97% | $65K | 744 |
| Cash-out refinance | 72% | 429 / 593 | 98% | $145K | 419 |
| Refinance | 61% | 48 / 79 | 98% | $285K | 47 |
| Investment property purchase | 90% | 112 / 125 | 97% | $225K | 109 |
| Investment cash-out refinance | 65% | 26 / 40 | 100% | $155K | 26 |
Tennessee Valley FCU lending by state
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 Tennessee Valley FCU lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Hamilton County, TN | Home improvement loans | 67% | 910 | 587 |
| Hamilton County, TN | Mortgage lenders | 87% | 665 | 573 |
| Hamilton County, TN | Cash-out refinance | 73% | 424 | 299 |
| Bradley County, TN | Mortgage lenders | 91% | 147 | 132 |
| Bradley County, TN | Home improvement loans | 73% | 173 | 125 |
| Bradley County, TN | Cash-out refinance | 74% | 133 | 97 |
| Hamilton County, TN | Investment property purchase | 89% | 92 | 80 |
| Whitfield County, GA | Mortgage lenders | 92% | 48 | 43 |
| Hamilton County, TN | Refinance | 62% | 60 | 37 |
| Hamilton County, TN | Investment cash-out refinance | 70% | 33 | 23 |
| Whitfield County, GA | Home improvement loans | 49% | 43 | 21 |
| Whitfield County, GA | Cash-out refinance | 62% | 26 | 16 |
The county markets where Tennessee Valley FCU made the most loans. Each link opens that market with every lender ranked.
Questions about Tennessee Valley FCU
What is Tennessee Valley FCU's mortgage approval rate?
Tennessee Valley FCU approved 75.2% of the 2,955 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 2.0 points above the 73.2% national rate for the same mix of loan types.
How often do borrowers take the loan Tennessee Valley FCU offers?
Borrowers accepted 98% of the loans Tennessee Valley FCU approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Tennessee Valley FCU make?
The typical home improvement loan loan Tennessee Valley FCU made was $65K; across all loan types its typical loan ran from $65K to $315K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Tennessee Valley FCU lend?
Tennessee Valley FCU decided applications in 19 of the states Fat Boy Data covers, most of them in Tennessee, Georgia and Florida.
Can I apply to Tennessee Valley FCU directly?
Yes. Tennessee Valley FCU is a bank or credit union with 30 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Tennessee Valley FCU'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 Tennessee Valley FCU treats applications, then get a rate quote from the lender.