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The Lender Report built this page from public records. Y-12 Credit Union has not reviewed it. Every lender's page starts this way, and it says nothing about Y-12 Credit Union itself. Each figure shows its source and date. Work at Y-12 Credit Union? You can claim this page for free.
Multifamily record
Y-12 Credit Union: multifamily loans made
Y-12 Credit Union, a credit union based in Oak Ridge, TN, made 38 multifamily loans in 2024 and 2025, $61.1M in all, in 2 states. The typical loan was about $1.1M, and the largest about $8.2M. Most were in Knox County, TN.
- Evidence
- Multifamily loans made in 2024 and 2025, HMDA
- Data as of
- HMDA 2025
- Page last changed
- November 11, 2026
- Multifamily loans
- 38
- HMDA,
- 2024 and 2025. Manufactured-home parks excluded
- Dollars
- $61.1M
- HMDA,
- Rounded amounts
- Typical loan
- $1.1M
- HMDA,
- Largest loan
- $8.2M
- HMDA,
- Rounded to 2 significant figures
- States
- 2
- HMDA,
Cite this
Source: The Lender Report, Y-12 Credit Union: multifamily loans made, https://lender.report/lender/y-12-credit-union-tn/multifamily/, data as of December 31, 2025.
The loans, newest first
Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.
| Period | Place | Loan | Amount | Rate | Term | LTV | Source |
|---|---|---|---|---|---|---|---|
| 2025 | Knox County, TN | Purchase, 50 to 99 units | $8.2M | 7.2% | 5 yr | 73% | HMDA 2025 |
| 2025 | Washington County, TN | Purchase, 25 to 49 units | $3.2M | 6.95% | 10 yr | 70% | HMDA 2025 |
| 2025 | Johnson City, TN | Purchase, 25 to 49 units | $3M | 6.2% | 5 yr | 80% | HMDA 2025 |
| 2025 | Washington County, TN | Purchase, 25 to 49 units | $3M | 6.95% | 10 yr | 71% | HMDA 2025 |
| 2025 | Roane County, TN | Purchase, 25 to 49 units | $2.5M | 6.55% | 10 yr | 74% | HMDA 2025 |
| 2025 | Blount County, TN | Refinance, 5 to 24 units | $2.3M | 6.5% | 15 yr | 75% | HMDA 2025 |
| 2025 | Knox County, TN | Purchase, 5 to 24 units | $2.3M | 6% | 15 yr | 75% | HMDA 2025 |
| 2025 | Laurel County, KY | Purchase, 25 to 49 units | $2M | 6.75% | 15 yr | 83% | HMDA 2025 |
| 2025 | Washington County, TN | Purchase, 25 to 49 units | $2M | 6.95% | 10 yr | 70% | HMDA 2025 |
| 2025 | Washington County, TN | Purchase, 25 to 49 units | $2M | 6.95% | 10 yr | 68% | HMDA 2025 |
| 2025 | Blount County, TN | Purchase, 5 to 24 units | $1.9M | 6.9% | 15 yr | 80% | HMDA 2025 |
| 2025 | Blount County, TN | Purchase, 5 to 24 units | $1.4M | 6.5% | 5 yr | 78% | HMDA 2025 |
| 2025 | Knox County, TN | Purchase, 5 to 24 units | $1.2M | 6.25% | 5 yr | 70% | HMDA 2025 |
| 2025 | Sevier County, TN | Cash-out refinance, 5 to 24 units | $1.2M | 6.06% | 5 yr | 47% | HMDA 2025 |
| 2025 | Anderson County, TN | Cash-out refinance, 5 to 24 units | $1.1M | 6.25% | 5 yr | 80% | HMDA 2025 |
| 2025 | Bradley County, TN | Purchase, 5 to 24 units | $1.1M | 6.7% | 15 yr | 80% | HMDA 2025 |
| 2025 | Hamilton County, TN | Purchase, 5 to 24 units | $1M | 6.48% | 5 yr | 62% | HMDA 2025 |
| 2025 | Knox County, TN | Cash-out refinance, 5 to 24 units | $1M | 6.35% | 5 yr | 61% | HMDA 2025 |
| 2025 | Sullivan County, TN | Purchase, 5 to 24 units | $1M | 6.2% | 5 yr | 80% | HMDA 2025 |
| 2025 | Knox County, TN | Purchase, 5 to 24 units | $760K | 6.5% | 5 yr | 42% | HMDA 2025 |
| 2025 | Blount County, TN | Cash-out refinance, 5 to 24 units | $740K | 6.64% | 15 yr | 68% | HMDA 2025 |
| 2025 | Knox County, TN | Purchase, 5 to 24 units | $560K | 6.62% | 5 yr | 50% | HMDA 2025 |
| 2025 | Washington County, TN | Purchase, 5 to 24 units | $560K | 6.7% | 5 yr | 80% | HMDA 2025 |
| 2025 | Sevier County, TN | Refinance, 5 to 24 units | $520K | 6.83% | 15 yr | 43% | HMDA 2025 |
| 2025 | Knox County, TN | Improvement, 25 to 49 units | $500K | 8% | 5 yr | 57% | HMDA 2025 |
| 38 multifamily loans made in 2024 and 2025 | $61.1M | HMDA 2024 and 2025 | |||||
A blank means the source did not report it.
| Place | As named | Loans | Dollars |
|---|---|---|---|
| Knox County, TN | County | 11 | $17.4M |
| Washington County, TN | County | 5 | $10.8M |
| Blount County, TN | County | 4 | $6.34M |
| Sevier County, TN | County | 3 | $2.02M |
| Anderson County, TN | County | 2 | $5.80M |
| Roane County, TN | County | 2 | $2.82M |
| Bradley County, TN | County | 1 | $1.10M |
| Coffee County, TN | County | 1 | $1.20M |
| Hamilton County, TN | County | 1 | $1.00M |
| Jefferson County, TN | County | 1 | $260K |
| Johnson City, TN | Metro area | 1 | $3.00M |
| Knoxville, TN | Metro area | 1 | $5.40M |
A county is named only where the public file holds 5 or more multifamily loans there in the year; otherwise the metro area or the state is.
| Loan size | Loans | Dollars |
|---|---|---|
| Under $1M | 15 | $6.94M |
| $1M to $2.5M | 16 | $24.2M |
| $2.5M to $5M | 5 | $16.4M |
| $5M to $10M | 2 | $13.6M |
| $10M or more | 0 | $0 |
| Year | Loans | Dollars | Typical loan |
|---|---|---|---|
| 2024 | 7 | $14.2M | $1.2M |
| 2025 | 31 | $46.9M | $1.1M |
| Purpose | Loans |
|---|---|
| Purchase | 28 |
| Refinance | 4 |
| Cash-out refinance | 5 |
| Improvement | 1 |
| Units | Loans |
|---|---|
| 5 to 24 units | 26 |
| 25 to 49 units | 10 |
| 50 to 99 units | 2 |
- Y-12 Credit Union made 38 multifamily loans totaling $61.1M in 2024 and 2025, in 17 named places across 2 states. HMDA,
- It made 31 of them in 2025 and 7 in 2024. HMDA,
- The typical loan was about $1.1M, with the middle half between $520K and $2M. HMDA,
- The largest was about $8.2M. Every amount is rounded to 2 significant figures. HMDA,
- 15 loans were under $1M, and 2 were $5M or more. HMDA,
- It reported a median rate of 6.64% on 38 loans, with the middle half between 6.35% and 6.95%. HMDA,
- The median term was 10 years. HMDA,
- The median loan to value was 73%. HMDA,
- 24% of the loans were refinancings and 74% were purchases. HMDA,
- The most common property size was 5 to 24 units, with 26 loans. HMDA,
- Its loans were most often in Knox County, TN (11), Washington County, TN (5) and Blount County, TN (4). HMDA,
What we don't know
- Whether Y-12 Credit Union is taking new multifamily loans today.
- Its minimum or maximum loan, its fees and its other terms. HMDA reports the rate, term and loan to value, and this page shows what it reports.
- Loans on office, retail, industrial or hotel property. HMDA covers dwelling-secured loans only.
Place is a county only where the public file holds 5 or more multifamily loans of that year there, otherwise the metro area or the state. Amounts are rounded to 2 significant figures and HMDA has a year, never a date.
HMDA covers dwelling-secured loans. Manufactured-home parks are left out of every count.
Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.