# U. T. Federal Credit Union

> **Canonical URL:** https://saferate.com/lenders/u-t-federal-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


U. T. Federal Credit Union is a credit union, headquartered in Knoxville, TN, with 70 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 53% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 5493008XX3NZ5S384W16
- **Headquarters:** Knoxville, 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: Acceptable 🙂
- Score: 32/100
- Rating: ●●○○○ (2/5)

### Pull Through: Sound ☺️
- Score: 47/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.537%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,263
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 70
- **Dollar Volume:** $16 million
- **Applications Received:** 88
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $227,714
- **Average Borrower Income:** $140,186
- **Average Property Value:** $413,857

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 32/100 | 69 | +0.544% | $2,214 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 26 loans, Score: 23/100 (Acceptable)
- Refinance: 43 loans, Score: 51/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 24/100 | 27 | $10M | +0.447% | Acceptable 🙂 |
| Refinance | 48/100 | 43 | $6M | +0.601% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TN | 70 | 0.08% | 67/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Knoxville, TN | TN | 41 | 64/100 |
| Non |  | 23 | 40/100 |

## Where This Lender Ranks

U. T. Federal Credit Union appears in the following market rankings:

### Best Overall Mortgage Lenders

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

## Frequently Asked Questions

### What loan types does U. T. Federal Credit Union offer?

U. T. Federal 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 U. T. Federal Credit Union offer mortgages?

U. T. Federal Credit Union offers mortgages in 1 states: TN.

### How competitive are U. T. Federal Credit Union's mortgage rates?

U. T. Federal Credit Union 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 0.537% above market average.

### What type of lender is U. T. Federal Credit Union?

U. T. Federal Credit Union is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Knoxville, TN.

### What is U. T. Federal Credit Union's loan approval success rate?

U. T. Federal Credit Union has a pull-through score of 47/100 (Sound). 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/u-t-federal-credit-union

### How to Cite

> "U. T. Federal Credit Union Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/u-t-federal-credit-union

---

**[View Interactive Profile →](https://saferate.com/lenders/u-t-federal-credit-union)**