# ALCOA TENN FEDERAL CREDIT UNION

> **Canonical URL:** https://saferate.com/lenders/alcoa-tenn-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

ALCOA TENN FEDERAL CREDIT UNION is a credit union, headquartered in Alcoa, TN, with 54 loans originated in the most recent reporting period.

**At a Glance:**
- **Approval Rate:** Ranks in the top 63% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300DV2WBWN5ZEMV06
- **Headquarters:** Alcoa, TN
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** TN
- **Markets (MSAs):** 1
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pull Through: Acceptable 🙂
- Score: 37/100
- Rating: ●●○○○ (2/5)


### Lending Volume
- **Total Loans:** 54
- **Dollar Volume:** $12 million
- **Applications Received:** 83
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $218,148
- **Average Borrower Income:** $105,778

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 31/100 | 54 | -0.561% | $1,417 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Refinance: 39 loans, Score: 51/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 20/100 | 15 | $4M | -0.426% | Mediocre 😐 |
| Refinance | 49/100 | 39 | $8M | -0.651% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TN | 54 | 0.06% | 65/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Knoxville, TN | TN | 49 | 67/100 |

## Frequently Asked Questions

### What loan types does ALCOA TENN FEDERAL CREDIT UNION offer?

ALCOA TENN 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 ALCOA TENN FEDERAL CREDIT UNION offer mortgages?

ALCOA TENN FEDERAL CREDIT UNION offers mortgages in 1 states: TN.

### What type of lender is ALCOA TENN FEDERAL CREDIT UNION?

ALCOA TENN FEDERAL CREDIT UNION is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Alcoa, TN.

### What is ALCOA TENN FEDERAL CREDIT UNION's loan approval success rate?

ALCOA TENN FEDERAL CREDIT UNION has a pull-through score of 37/100 (Acceptable). 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:** 2026-05-29
**Canonical URL:** https://saferate.com/lenders/alcoa-tenn-federal-credit-union

### How to Cite

> "ALCOA TENN FEDERAL CREDIT UNION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/alcoa-tenn-federal-credit-union

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