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Knoxville Tva Employees Credit Union

Credit UnionKnoxville, TNHQDirectReviews near you on Google

Knoxville Tva Employees Credit Union has 296 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Acceptable
2/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
Conventional
Place
Strong
4/5
Regional · 3 mkts
Safe Rate Awards
Conventional Superstar
Conventional
Superstar
Refinance Superstar
Refinance
Superstar

Safe Rate Summary

What They Do Well

  • Strong pull through performance

Things to Think About

  • Pricing may be below industry average

Explore another lender or local market

Report Card

Knoxville Tva Employees Credit Union performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+19.0 bps above market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Top 60% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Regional · 4 markets
Strong
Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Sound
Product
Strong
Pricing
Acceptable
Pull Through
Strong
Volume294
Mix99.3%
Spread
+0.195%Above
Fees
$3,034Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Sound
Pricing
Acceptable
Pull Through
Sound
Volume162
Mix54.7%
Spread
+0.205%Above
Fees
$3,296Fees
Refinance
Overall
Strong
Product
Strong
Pricing
Strong
Pull Through
Strong
Volume134
Mix45.3%
Spread
+0.172%Above
Fees
$2,793Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
296
Applications
435
Volume
$68 million
Pricing & Closing
Avg Rate Spread
+0.190%
vs. market APOR
Avg Net Fees
$3,078
Origination − Credits
Pullthrough Rate
68.0%
Applications → Closed
Typical Borrower
Avg Loan Amount
$231,419
Avg Borrower Income
$106,622
Avg Property Value
$365,236

Geographic Coverage

Geographic Performance

Metro Areas
3
markets with activity
States Served
2
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

2
2 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
South2
GATN

Top Metro Areas by Place Specialization Score

1© Mjramsey1 · CC BY-SA 4.0
Morristown, TNMetro
Volume 58Mix 19.59% of portfolio
92/100
Exceptional
Volume 159Mix 53.72% of portfolio
78/100
Strong
Volume 20Mix 6.76% of portfolio
54/100
Sound

Top States by Place Specialization Score

Tennessee
Tennessee
1
TennesseeState
Volume 295Mix 99.66% of portfolio
80/100
Exceptional

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.