# ORNL

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


> **📋 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


ORNL is a credit union, headquartered in Oak Ridge, TN, serving borrowers across 3 states, with 529 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 68% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 41% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300K6L4VXCXWN4205
- **Headquarters:** Oak Ridge, TN
- **Geographic Reach:** Regional
- **States Served:** 3
- **State List:** GA, KY, TN
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 32/100
- Rating: ●●○○○ (2/5)

### Pull Through: Sound ☺️
- Score: 59/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** -0.048%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $4,152
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 529
- **Dollar Volume:** $199 million
- **Applications Received:** 881
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $375,567
- **Average Borrower Income:** $139,885
- **Average Property Value:** $521,314

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 69/100 | 496 | -0.062% | $3,929 | Strong 😀 |
| Jumbo | 74/100 | 33 | +0.188% | $7,992 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 408 loans, Score: 68/100 (Strong)
- Refinance: 88 loans, Score: 65/100 (Strong)

**Jumbo:**
- Purchase: 32 loans, Score: 75/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 66/100 | 440 | $179M | -0.071% | Strong 😀 |
| Refinance | 62/100 | 89 | $20M | +0.071% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TN | 527 | 0.58% | 85/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Knoxville, TN | TN | 419 | 89/100 |
| Non |  | 63 | 46/100 |
| Morristown, TN | TN | 33 | 75/100 |

## Where This Lender Ranks

ORNL appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Knoxville, TN for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/knoxville-tn/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🏆 **#4** in Knoxville, TN Credit Unions
  - [View Full Rankings](https://saferate.com/knoxville-tn/best-mortgage-lenders/credit-unions)
- 🏆 **#4** 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 Credit Unions
  - [View Full Rankings](https://saferate.com/morristown-tn/best-mortgage-lenders/credit-unions)
- 🏆 **#5** in Morristown, TN for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/morristown-tn/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#6** in Tennessee for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/tennessee/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🏆 **#8** in Tennessee for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/tennessee/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#9** in Tennessee Credit Unions
  - [View Full Rankings](https://saferate.com/tennessee/best-mortgage-lenders/credit-unions)
- 🏆 **#12** in Morristown, TN
  - [View Full Rankings](https://saferate.com/morristown-tn/best-mortgage-lenders)
- 🏆 **#16** in Knoxville, TN for Jumbo Loans
  - [View Full Rankings](https://saferate.com/knoxville-tn/best-mortgage-lenders/jumbo-loans)

## Frequently Asked Questions

### What loan types does ORNL offer?

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

### Where does ORNL offer mortgages?

ORNL offers mortgages in 3 states: GA, KY, TN.

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

ORNL has a pricing score of 32/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.048% below market average.

### What type of lender is ORNL?

ORNL is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Oak Ridge, TN.

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

ORNL has a pull-through score of 59/100 (Sound). 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/ornl

### How to Cite

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

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