Hamblen County
Tennessee · FIPS 47063
According to CFPB HMDA 2024 application volume among U.S. counties, Hamblen County ranks #784 of 3,223, and #25 of 95 in Tennessee.
Mortgage lending activity in Hamblen 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. Hamblen County, Tennessee lenders denied 435 of the applications reported here, financing the rest at an average note rate of 7.05%, with applicants self-reporting average annual income of $38K. 169 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 5.6x, meaning typical borrowers took on mortgages of about 5.6 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 Hamblen County
In Hamblen County, lead originator Knoxville TVA Employees Credit Union funded 14.6% of 1,414 originated loans, in the middle tercile of U.S. counties (~10.9-16.7% top-1). The top three reporters together hold 26.0% 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 Hamblen County's 2,668 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Hamblen County's $212,305 average loan (deduped against volume peers).
Lenders active in Hamblen County
Knoxville TVA Employees Credit Union funded 207 of the 1,414 loans originated in Hamblen County, 14.6% of the county. 169 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Knoxville TVA Employees Credit Union | 207 | 14.6% |
| 2 | Rocket Mortgage | 98 | 6.9% |
| 3 | Union Home Mortgage Corp. | 63 | 4.5% |
| 4 | Cmg Mortgage INC | 63 | 4.5% |
| 5 | DHI Mortgage Company, LTD. | 60 | 4.2% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Hamblen County, from the FFIEC/CFPB HMDA Snapshot National Loan-Level Dataset (2024) -- county FIPS codes follow U.S. Census Bureau standards. Not financial advice for Hamblen County borrowers. 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.