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2024 data HMDA 2024 disclosure official source

Claiborne County

1,153 mortgage applications, 26.4% denial rate. Verify FIPS 47025 with U.S. Census Bureau →

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Tennessee · FIPS 47025

Local mortgage market. Claiborne County, Tennessee saw 1,153 HMDA-reported mortgage applications in 2024. Lenders originated 490 of those loans and denied 305, producing a denial rate of 26.4% and an approval (origination) rate of 42.5%. The average loan amount was $186,379 at an average note rate of 7.28%, with applicants self-reporting average annual income of $38K. 117 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 4.9x, meaning typical borrowers took on mortgages of about 4.9 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 47025 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

1,153
Applications
490
Originated
26.4%
Denial Rate
42.5%
Approval Rate
$186,379
Avg Loan Amount
7.28%
Avg Interest Rate
$38K
Avg Applicant Income
4.9x
Loan-to-Income Ratio

Nearby Lenders in Claiborne 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 Hearthside Bank Corporation 38 7.8%
2 Commercial Bank 36 7.3%
3 First Century Bank 29 5.9%
4 Vanderbilt Mortgage and Finance, INC 29 5.9%
5 Rocket Mortgage 26 5.3%
Compare Hearthside Bank Corporation vs Commercial Bank →

Frequently Asked Questions

How many mortgage applications were filed in Claiborne County?
In the 2024 HMDA reporting year, 1,153 mortgage applications were filed in Claiborne County, Tennessee. Of these, 490 were originated (approved and funded), while 305 were denied, resulting in a denial rate of 26.4%.
What is the mortgage denial rate in Claiborne County?
The mortgage denial rate in Claiborne County is 26.4%. The approval (origination) rate is 42.5%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Claiborne County?
The average mortgage loan amount in Claiborne County is $186,379. The average interest rate is 7.277%. The average applicant income is $38K.
What is the loan-to-income ratio in Claiborne County?
The average loan-to-income ratio in Claiborne County is 4.9x, meaning borrowers took on loans averaging 4.9 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Claiborne County?
The top mortgage lenders in Claiborne County by origination volume are Hearthside Bank Corporation, Commercial Bank, First Century Bank. In total, 117 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.