# Y-12 Federal Credit Union

> **Canonical URL:** https://saferate.com/lenders/y-12-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


Y-12 Federal Credit Union is a credit union, headquartered in Oak Ridge, TN, with 217 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 72% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 32% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 5493004NO7XCFVG4KD53
- **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: Acceptable 🙂
- Score: 28/100
- Rating: ●●○○○ (2/5)

### Pull Through: Strong 😀
- Score: 68/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** -0.018%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,873
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 217
- **Dollar Volume:** $57 million
- **Applications Received:** 297
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $263,848
- **Average Borrower Income:** $112,074
- **Average Property Value:** $392,419

## Safe Rate Awards 🏆

- ⭐ **Refinance Gold Superstar** (63%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 54/100 | 210 | -0.035% | $2,847 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 116 loans, Score: 46/100 (Sound)
- Refinance: 94 loans, Score: 66/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 46/100 | 123 | $36M | +0.064% | Sound ☺️ |
| Refinance | 63/100 | 94 | $21M | -0.123% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TN | 217 | 0.24% | 78/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Knoxville, TN | TN | 183 | 81/100 |
| Non |  | 28 | 37/100 |

## Where This Lender Ranks

Y-12 Federal Credit Union appears in the following market rankings:

### Best Overall Mortgage Lenders

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

## Frequently Asked Questions

### What loan types does Y-12 Federal Credit Union offer?

Y-12 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 Y-12 Federal Credit Union offer mortgages?

Y-12 Federal Credit Union offers mortgages in 1 states: TN.

### How competitive are Y-12 Federal Credit Union's mortgage rates?

Y-12 Federal Credit Union has a pricing score of 28/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.018% below market average.

### What type of lender is Y-12 Federal Credit Union?

Y-12 Federal Credit Union is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Oak Ridge, TN.

### What is Y-12 Federal Credit Union's loan approval success rate?

Y-12 Federal Credit Union has a pull-through score of 68/100 (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/y-12-federal-credit-union

### How to Cite

> "Y-12 Federal Credit Union Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/y-12-federal-credit-union

---

**[View Interactive Profile →](https://saferate.com/lenders/y-12-federal-credit-union)**