# TENNESSEE VALLEY FCU

> **Canonical URL:** https://saferate.com/lenders/tennessee-valley-fcu


> **📋 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


TENNESSEE VALLEY FCU is a credit union, headquartered in Chattanooga, TN, serving borrowers across 13 states, with 478 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 76% 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):** 5493007669OVCSCATP45
- **Headquarters:** Chattanooga, TN
- **Geographic Reach:** Multi-Region
- **States Served:** 13
- **State List:** AL, FL, GA, IL, IN, LA, MO, MS, NC, NE, TN, TX, WY
- **Markets (MSAs):** 4
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 24/100
- Rating: ●●○○○ (2/5)

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

### Pricing Details
- **Average Rate Spread:** +0.223%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $3,334
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 478
- **Dollar Volume:** $134 million
- **Applications Received:** 769
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $279,519
- **Average Borrower Income:** $113,937
- **Average Property Value:** $368,682

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 70/100 | 464 | +0.237% | $3,338 | Strong 😀 |
| VA | 37/100 | 10 | -0.416% | $2,455 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 342 loans, Score: 68/100 (Strong)
- Refinance: 122 loans, Score: 71/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 65/100 | 354 | $108M | +0.130% | Strong 😀 |
| Refinance | 69/100 | 124 | $26M | +0.480% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TN | 331 | 0.36% | 80/100 |
| GA | 124 | 0.09% | 67/100 |
| AL | 10 | 0.02% | 40/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Chattanooga, TN | TN-GA | 321 | 100/100 |
| Cleveland, TN | TN | 60 | 90/100 |
| Non |  | 48 | 42/100 |
| Dalton, GA | GA | 21 | 63/100 |

## Where This Lender Ranks

TENNESSEE VALLEY FCU appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥈 **#2** in Cleveland, TN for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/cleveland-tn/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#5** in Tennessee for VA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/tennessee/best-mortgage-lenders/credit-unions/va-loans)
- 🏆 **#6** in Tennessee Credit Unions
  - [View Full Rankings](https://saferate.com/tennessee/best-mortgage-lenders/credit-unions)
- 🏆 **#6** in Tennessee for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/tennessee/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#10** in Cleveland, TN
  - [View Full Rankings](https://saferate.com/cleveland-tn/best-mortgage-lenders)
- 🏆 **#13** in Cleveland, TN for Conventional Loans
  - [View Full Rankings](https://saferate.com/cleveland-tn/best-mortgage-lenders/conventional-loans)
- 🏆 **#15** in Dalton, GA
  - [View Full Rankings](https://saferate.com/dalton-ga/best-mortgage-lenders)
- 🏆 **#16** in Dalton, GA for Conventional Loans
  - [View Full Rankings](https://saferate.com/dalton-ga/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

### What loan types does TENNESSEE VALLEY FCU offer?

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

### Where does TENNESSEE VALLEY FCU offer mortgages?

TENNESSEE VALLEY FCU offers mortgages in 13 states: AL, FL, GA, IL, IN, LA, MO, MS, NC, NE, TN, TX, WY.

### How competitive are TENNESSEE VALLEY FCU's mortgage rates?

TENNESSEE VALLEY FCU has a pricing score of 24/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.223% above market average.

### What type of lender is TENNESSEE VALLEY FCU?

TENNESSEE VALLEY FCU is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Chattanooga, TN.

### What is TENNESSEE VALLEY FCU's loan approval success rate?

TENNESSEE VALLEY FCU 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/tennessee-valley-fcu

### How to Cite

> "TENNESSEE VALLEY FCU Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/tennessee-valley-fcu

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