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Leaders Credit Union in Tennessee
HMDA record for properties in Tennessee, calendar year 2024. National record · Tennessee overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
In Tennessee, Leaders Credit Union reported 2,002 applications and 1,303 originations for 2024, $214m in all.
Its denial rate in the state was 22.3%, close to the Tennessee rate of 22.6% across all lenders and compared with the lender's national rate of 22.4%.
The median rate spread on its Tennessee originations was 0.2 percentage points (state median 0.3).
Applications in the state were up 23% on 2023.
Compared with the state and the lender's national record
| Measure | In Tennessee | Tennessee, all lenders | Leaders Credit Union, all states | United States |
|---|---|---|---|---|
| Denial rate | 22.3% | 22.6% | 22.4% | 24.3% |
| Median rate spread, pp | 0.2 | 0.3 | 0.2 | 0.3 |
| Originations with spread of 1.5 pp or more | 13.2% | 14.7% | 13.3% | 15.6% |
| Average originated loan | $164k | $302k | $165k | $329k |
| Home purchase share | 55.9% | 55.5% | 56.1% | 57.0% |
| FHA-insured share | 12.6% | 15.5% | 12.6% | 13.4% |
| VA-guaranteed share | 3.4% | 10.0% | 3.4% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateTennessee, all lenders
Loan purpose and loan type in Tennessee
By purpose
Home purchase 56% (728)Home improvement 18% (233)Refinancing 14% (186)Cash-out refinancing 0% (3)Other purpose 12% (153)
By type
Conventional 77% (1,007)FHA 13% (164)VA 3% (44)USDA 7% (88)
Denial reasons as coded
Share of 377 denials in Tennessee by first denial reason coded (outlined bar: all lenders in the state).
Counties in Tennessee
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Madison County | 638 | 413 | $72m | 21.3% |
| Gibson County | 269 | 174 | $25m | 20.0% |
| Dyer County | 224 | 157 | $20m | 21.7% |
| Shelby County | 183 | 113 | $24m | 22.6% |
| Obion County | 111 | 72 | $9.4m | 24.7% |
| Tipton County | 83 | 63 | $18m | 12.3% |
| Crockett County | 59 | 42 | $6.1m | 20.8% |
| Chester County | 57 | 35 | $4.3m | 27.1% |
| Carroll County | 51 | 31 | $3.8m | 31.1% |
| Weakley County | 43 | 29 | $3.9m | 23.7% |
| Henderson County | 46 | 27 | $3.9m | 25.0% |
| Lauderdale County | 33 | 23 | $2.7m | 28.1% |
| Fayette County | 35 | 22 | $5.7m | 24.1% |
| Haywood County | 32 | 14 | $1.1m | 44.4% |
| Hardeman County | 28 | 13 | $1.2m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Leaders Credit Union originate in Tennessee in 2024?
1,303 loans totalling $214m, from 2,002 applications reported for properties in Tennessee.
What is Leaders Credit Union's denial rate in Tennessee?
22.3% of decided applications in Tennessee were denied, against 22.6% for all lenders in the state and 22.4% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Tennessee counties does Leaders Credit Union lend in most?
By originations: Madison County (413), Gibson County (174), Dyer County (157), Shelby County (113), Obion County (72).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Tennessee. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.