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2024 data HMDA 2024 disclosure official source

Bradley County

5,014 mortgage applications, 17.3% denial rate. Verify FIPS 47011 with U.S. Census Bureau →

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Tennessee · FIPS 47011

Local mortgage market. Bradley County, Tennessee saw 5,014 HMDA-reported mortgage applications in 2024. Lenders originated 2,516 of those loans and denied 868, producing a denial rate of 17.3% and an approval (origination) rate of 50.2%. The average loan amount was $230,882 at an average note rate of 7.17%, with applicants self-reporting average annual income of $38K. 231 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 6.1x, meaning typical borrowers took on mortgages of about 6.1 times their annual income. That ratio is a rough affordability signal: higher multiples imply tighter monthly budgets and greater exposure to rate or income shocks. See our methodology for how to read the denial rate against a local applicant pool.

FIPS 47011 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

5,014
Applications
2,516
Originated
17.3%
Denial Rate
50.2%
Approval Rate
$230,882
Avg Loan Amount
7.17%
Avg Interest Rate
$38K
Avg Applicant Income
6.1x
Loan-to-Income Ratio

Nearby Lenders in Bradley County

Top HMDA-reporting lenders active in this county. Compare any two side-by-side for rates, denial rates, and loan mix.

# Lender Originated Market Share
1 Bank of Cleveland 188 7.5%
2 Rocket Mortgage 169 6.7%
3 Tennessee Valley Federal C U 165 6.6%
4 Cmg Mortgage INC 151 6.0%
5 First Citizens National Bank 126 5.0%
Compare Bank of Cleveland vs Rocket Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Bradley County?
In the 2024 HMDA reporting year, 5,014 mortgage applications were filed in Bradley County, Tennessee. Of these, 2,516 were originated (approved and funded), while 868 were denied, resulting in a denial rate of 17.3%.
What is the mortgage denial rate in Bradley County?
The mortgage denial rate in Bradley County is 17.3%. The approval (origination) rate is 50.2%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Bradley County?
The average mortgage loan amount in Bradley County is $230,882. The average interest rate is 7.165%. The average applicant income is $38K.
What is the loan-to-income ratio in Bradley County?
The average loan-to-income ratio in Bradley County is 6.1x, meaning borrowers took on loans averaging 6.1 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Bradley County?
The top mortgage lenders in Bradley County by origination volume are Bank of Cleveland, Rocket Mortgage, Tennessee Valley Federal C U. In total, 231 lenders reported mortgage activity in this county.
Where does this mortgage data come from?
This data comes from the CFPB HMDA 2024 Snapshot National Loan-Level Dataset, a mandatory federal disclosure dataset covering all mortgage applications filed with HMDA-reporting institutions. County boundaries are identified by FIPS codes.

Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. County FIPS codes per U.S. Census Bureau standards.

Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Provided for informational purposes only.

Read our methodology - how this data is sourced, computed, and verified.

Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.