# TVA COMMUNITY CREDIT UNION

> **Canonical URL:** https://saferate.com/lenders/tva-community-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

TVA COMMUNITY CREDIT UNION is a credit union, headquartered in Muscle Shoals, AL, with 27 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 39% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 64% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 2549004IXUWDS2CYU578
- **Headquarters:** Muscle Shoals, AL
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** AL
- **Markets (MSAs):** 1
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 61/100
- Rating: ●●●●○ (4/5)

### Pull Through: Acceptable 🙂
- Score: 36/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** -0.999%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,033
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 27
- **Dollar Volume:** $6 million
- **Applications Received:** 28
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $205,000
- **Average Borrower Income:** $115,778

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (64%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 35/100 | 27 | -0.999% | $2,033 | Acceptable 🙂 |

### Product Performance by Purpose

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 26/100 | 13 | $3M | -1.035% | Acceptable 🙂 |
| Refinance | 42/100 | 14 | $3M | -0.963% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| AL | 27 | 0.05% | 61/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Florence | AL | 23 | 65/100 |

## Frequently Asked Questions

### What loan types does TVA COMMUNITY CREDIT UNION offer?

TVA COMMUNITY 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 TVA COMMUNITY CREDIT UNION offer mortgages?

TVA COMMUNITY CREDIT UNION offers mortgages in 1 states: AL.

### How competitive are TVA COMMUNITY CREDIT UNION's mortgage rates?

TVA COMMUNITY CREDIT UNION has a pricing score of 61/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.999% below market average.

### What type of lender is TVA COMMUNITY CREDIT UNION?

TVA COMMUNITY CREDIT UNION is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Muscle Shoals, AL.

### What is TVA COMMUNITY CREDIT UNION's loan approval success rate?

TVA COMMUNITY CREDIT UNION has a pull-through score of 36/100 (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/tva-community-credit-union

### How to Cite

> "TVA COMMUNITY CREDIT UNION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/tva-community-credit-union

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