# KNOXVILLE TVA EMPLOYEES CREDIT UNION

> **Canonical URL:** https://saferate.com/lenders/knoxville-tva-employees-credit-union


> **📋 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


KNOXVILLE TVA EMPLOYEES CREDIT UNION is a credit union, headquartered in Knoxville, TN, serving borrowers across 2 states, with 296 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 61% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 37% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 54930074H8866HTIWU69
- **Headquarters:** Knoxville, TN
- **Geographic Reach:** Regional
- **States Served:** 2
- **State List:** GA, TN
- **Markets (MSAs):** 4
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 39/100
- Rating: ●●○○○ (2/5)

### Pull Through: Strong 😀
- Score: 63/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.190%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $3,078
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 296
- **Dollar Volume:** $69 million
- **Applications Received:** 435
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $231,419
- **Average Borrower Income:** $106,622
- **Average Property Value:** $365,236

## Safe Rate Awards 🏆

- ⭐ **Refinance Gold Superstar** (70%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 67/100 | 294 | +0.195% | $3,034 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 161 loans, Score: 60/100 (Sound)
- Refinance: 133 loans, Score: 73/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 56/100 | 162 | $43M | +0.205% | Sound ☺️ |
| Refinance | 71/100 | 134 | $26M | +0.172% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TN | 295 | 0.32% | 80/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Knoxville, TN | TN | 159 | 78/100 |
| Morristown, TN | TN | 58 | 92/100 |
| Non |  | 42 | 43/100 |
| Kingsport | TN-VA | 20 | 54/100 |

## Where This Lender Ranks

KNOXVILLE TVA EMPLOYEES CREDIT UNION appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥈 **#2** in Morristown, TN Credit Unions
  - [View Full Rankings](https://saferate.com/morristown-tn/best-mortgage-lenders/credit-unions)
- 🥉 **#3** in Knoxville, TN Credit Unions
  - [View Full Rankings](https://saferate.com/knoxville-tn/best-mortgage-lenders/credit-unions)
- 🥉 **#3** in Knoxville, TN for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/knoxville-tn/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#4** in Morristown, TN for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/morristown-tn/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#4** in Kingsport for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/kingsport/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#7** in Tennessee Credit Unions
  - [View Full Rankings](https://saferate.com/tennessee/best-mortgage-lenders/credit-unions)
- 🏆 **#7** in Tennessee for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/tennessee/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#8** in Morristown, TN
  - [View Full Rankings](https://saferate.com/morristown-tn/best-mortgage-lenders)
- 🏆 **#13** in Morristown, TN for Conventional Loans
  - [View Full Rankings](https://saferate.com/morristown-tn/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

### What loan types does KNOXVILLE TVA EMPLOYEES CREDIT UNION offer?

KNOXVILLE TVA EMPLOYEES CREDIT UNION offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does KNOXVILLE TVA EMPLOYEES CREDIT UNION offer mortgages?

KNOXVILLE TVA EMPLOYEES CREDIT UNION offers mortgages in 2 states: GA, TN.

### How competitive are KNOXVILLE TVA EMPLOYEES CREDIT UNION's mortgage rates?

KNOXVILLE TVA EMPLOYEES CREDIT UNION has a pricing score of 39/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.190% above market average.

### What type of lender is KNOXVILLE TVA EMPLOYEES CREDIT UNION?

KNOXVILLE TVA EMPLOYEES CREDIT UNION is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Knoxville, TN.

### What is KNOXVILLE TVA EMPLOYEES CREDIT UNION's loan approval success rate?

KNOXVILLE TVA EMPLOYEES CREDIT UNION has a pull-through score of 63/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## 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/knoxville-tva-employees-credit-union

### How to Cite

> "KNOXVILLE TVA EMPLOYEES CREDIT UNION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/knoxville-tva-employees-credit-union

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