# ENRICHMENT

> **Canonical URL:** https://saferate.com/lenders/enrichment


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


ENRICHMENT is a credit union, headquartered in OAK RIDGE, TN, with 105 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 80% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 40% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300LCT0EFT83E5873
- **Headquarters:** OAK RIDGE, TN
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** TN
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Mediocre 😐
- Score: 20/100
- Rating: ●○○○○ (1/5)

### Pull Through: Sound ☺️
- Score: 60/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.740%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,050
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 105
- **Dollar Volume:** $27 million
- **Applications Received:** 129
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $257,286
- **Average Borrower Income:** $115,733
- **Average Property Value:** $391,190

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 40/100 | 101 | +0.736% | $1,962 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 40 loans, Score: 29/100 (Acceptable)
- Refinance: 61 loans, Score: 59/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 30/100 | 44 | $15M | +0.752% | Acceptable 🙂 |
| Refinance | 56/100 | 61 | $12M | +0.732% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TN | 105 | 0.12% | 71/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Knoxville, TN | TN | 86 | 73/100 |
| Non |  | 15 | 31/100 |

## Where This Lender Ranks

ENRICHMENT appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#6** in Knoxville, TN for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/knoxville-tn/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#7** in Knoxville, TN Credit Unions
  - [View Full Rankings](https://saferate.com/knoxville-tn/best-mortgage-lenders/credit-unions)

## Frequently Asked Questions

### What loan types does ENRICHMENT offer?

ENRICHMENT offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does ENRICHMENT offer mortgages?

ENRICHMENT offers mortgages in 1 states: TN.

### How competitive are ENRICHMENT's mortgage rates?

ENRICHMENT has a pricing score of 20/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.740% above market average.

### What type of lender is ENRICHMENT?

ENRICHMENT is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in OAK RIDGE, TN.

### What is ENRICHMENT's loan approval success rate?

ENRICHMENT has a pull-through score of 60/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

---

## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/enrichment

### How to Cite

> "ENRICHMENT Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/enrichment

---

**[View Interactive Profile →](https://saferate.com/lenders/enrichment)**