Davidson County
Tennessee · FIPS 47037
According to CFPB HMDA 2024 application volume among U.S. counties, Davidson County ranks #70 of 3,210, and #1 of 95 in Tennessee.
Mortgage lending activity in Davidson County, Tennessee based on lender filings under the Home Mortgage Disclosure Act (HMDA). Data covers all applications received by HMDA-reporting institutions operating in this county during 2024. Why mortgages get denied walks the denial-reason codes that appear in books like this one.
Local mortgage market. Davidson County, Tennessee saw 29,781 HMDA-reported mortgage applications in 2024. Lenders originated 15,467 of those loans and denied 4,640, producing a denial rate of 15.6% and an approval (origination) rate of 51.9%. The average loan amount was $405,422 at an average note rate of 7.11%, with applicants self-reporting average annual income of $38K. 586 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 10.7x, meaning typical borrowers took on mortgages of about 10.7 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. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Davidson County
In Davidson County, lead originator United Wholesale Mortgage funded only 5.0% of 15,467 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 13.9% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Davidson County's 29,781 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Davidson County's $405,422 average loan (deduped against volume peers).
Lenders active in Davidson County
United Wholesale Mortgage funded 766 of the 15,467 loans originated in Davidson County, 5.0% of the county. 586 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | United Wholesale Mortgage | 766 | 5.0% |
| 2 | Rocket Mortgage | 762 | 4.9% |
| 3 | Pinnacle Bank | 622 | 4.0% |
| 4 | Regions Bank | 610 | 3.9% |
| 5 | Legacy Home Loan LLC Dba Steadfast Mortgage | 569 | 3.7% |
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; does not constitute financial advice for Davidson County borrowers.
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 Davidson County 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. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.