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2024 data HMDA 2024 disclosure official source

Hawkins County

2,381 mortgage applications, 19.5% denial rate. Verify FIPS 47073 with U.S. Census Bureau →

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Tennessee · FIPS 47073

Local mortgage market. Hawkins County, Tennessee saw 2,381 HMDA-reported mortgage applications in 2024. Lenders originated 1,166 of those loans and denied 465, producing a denial rate of 19.5% and an approval (origination) rate of 49.0%. The average loan amount was $181,149 at an average note rate of 7.16%, with applicants self-reporting average annual income of $38K. 154 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 4.8x, meaning typical borrowers took on mortgages of about 4.8 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 47073 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

2,381
Applications
1,166
Originated
19.5%
Denial Rate
49.0%
Approval Rate
$181,149
Avg Loan Amount
7.16%
Avg Interest Rate
$38K
Avg Applicant Income
4.8x
Loan-to-Income Ratio

Nearby Lenders in Hawkins 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 Eastman Credit Union 312 26.8%
2 Rocket Mortgage 89 7.6%
3 United Wholesale Mortgage 67 5.7%
4 Vanderbilt Mortgage and Finance, INC 37 3.2%
5 Appalachian Community Federal Credit Union 31 2.7%
Compare Eastman Credit Union vs Rocket Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Hawkins County?
In the 2024 HMDA reporting year, 2,381 mortgage applications were filed in Hawkins County, Tennessee. Of these, 1,166 were originated (approved and funded), while 465 were denied, resulting in a denial rate of 19.5%.
What is the mortgage denial rate in Hawkins County?
The mortgage denial rate in Hawkins County is 19.5%. The approval (origination) rate is 49.0%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Hawkins County?
The average mortgage loan amount in Hawkins County is $181,149. The average interest rate is 7.159%. The average applicant income is $38K.
What is the loan-to-income ratio in Hawkins County?
The average loan-to-income ratio in Hawkins County is 4.8x, meaning borrowers took on loans averaging 4.8 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Hawkins County?
The top mortgage lenders in Hawkins County by origination volume are Eastman Credit Union, Rocket Mortgage, United Wholesale Mortgage. In total, 154 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.