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2024 data HMDA 2024 disclosure official source

Dickson County

2,997 mortgage applications, 15.4% denial rate. Verify FIPS 47043 with U.S. Census Bureau →

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Tennessee · FIPS 47043

Local mortgage market. Dickson County, Tennessee saw 2,997 HMDA-reported mortgage applications in 2024. Lenders originated 1,598 of those loans and denied 463, producing a denial rate of 15.4% and an approval (origination) rate of 53.3%. The average loan amount was $272,020 at an average note rate of 7.10%, with applicants self-reporting average annual income of $38K. 206 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 7.2x, meaning typical borrowers took on mortgages of about 7.2 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 47043 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

2,997
Applications
1,598
Originated
15.4%
Denial Rate
53.3%
Approval Rate
$272,020
Avg Loan Amount
7.10%
Avg Interest Rate
$38K
Avg Applicant Income
7.2x
Loan-to-Income Ratio

Nearby Lenders in Dickson 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 Rocket Mortgage 109 6.8%
2 FIRSTBANK 96 6.0%
3 United Wholesale Mortgage 88 5.5%
4 First Federal Bank 74 4.6%
5 Tristar Bank 68 4.3%
Compare Rocket Mortgage vs FIRSTBANK →

Frequently Asked Questions

How many mortgage applications were filed in Dickson County?
In the 2024 HMDA reporting year, 2,997 mortgage applications were filed in Dickson County, Tennessee. Of these, 1,598 were originated (approved and funded), while 463 were denied, resulting in a denial rate of 15.4%.
What is the mortgage denial rate in Dickson County?
The mortgage denial rate in Dickson County is 15.4%. The approval (origination) rate is 53.3%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Dickson County?
The average mortgage loan amount in Dickson County is $272,020. The average interest rate is 7.099%. The average applicant income is $38K.
What is the loan-to-income ratio in Dickson County?
The average loan-to-income ratio in Dickson County is 7.2x, meaning borrowers took on loans averaging 7.2 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Dickson County?
The top mortgage lenders in Dickson County by origination volume are Rocket Mortgage, FIRSTBANK, United Wholesale Mortgage. In total, 206 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.