Gibson County
Tennessee · FIPS 47053
According to CFPB HMDA 2024 application volume among U.S. counties, Gibson County ranks #912 of 3,210, and #35 of 95 in Tennessee.
Mortgage lending activity in Gibson 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. Gibson County, Tennessee saw 2,076 HMDA-reported mortgage applications in 2024. Lenders originated 1,117 of those loans and denied 366, producing a denial rate of 17.6% and an approval (origination) rate of 53.8%. The average loan amount was $164,355 at an average note rate of 7.10%, with applicants self-reporting average annual income of $36K. 136 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 4.6x, meaning typical borrowers took on mortgages of about 4.6 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 Gibson County
In Gibson County, lead originator Leaders Credit Union funded 15.6% of 1,117 originated loans, in the middle tercile of U.S. counties (~10.9-16.7% top-1). The top three reporters together hold 32.9% of the book; a local credit union or regional bank still sits beside the national wholesalers.
Counties With Similar Application Volume
Nationwide counties nearest to Gibson County's 2,076 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Gibson County's $164,355 average loan (deduped against volume peers).
Lenders active in Gibson County
Leaders Credit Union funded 174 of the 1,117 loans originated in Gibson County, 15.6% of the county. 136 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Leaders Credit Union | 174 | 15.6% |
| 2 | Regions Bank | 117 | 10.5% |
| 3 | Centennial Bank | 77 | 6.9% |
| 4 | Cadence Bank | 63 | 5.6% |
| 5 | Mortgage Investors Group | 57 | 5.1% |
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 Gibson 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 Gibson 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.