Hickman County
Tennessee · FIPS 47081
According to CFPB HMDA 2024 application volume among U.S. counties, Hickman County ranks #1,357 of 3,223, and #53 of 95 in Tennessee.
Mortgage lending activity in Hickman 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. Hickman County, Tennessee lenders denied 233 of the applications reported here, financing the rest at an average note rate of 7.13%, with applicants self-reporting average annual income of $38K. 129 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 5.8x, meaning typical borrowers took on mortgages of about 5.8 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. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Hickman County
In Hickman County, lead originator FIRSTBANK funded only 8.8% of 514 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 24.1% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Hickman County's 1,083 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Hickman County's $219,303 average loan (deduped against volume peers).
Lenders active in Hickman County
FIRSTBANK funded 45 of the 514 loans originated in Hickman County, 8.8% of the county. 129 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | FIRSTBANK | 45 | 8.8% |
| 2 | Rocket Mortgage | 40 | 7.8% |
| 3 | United Wholesale Mortgage | 39 | 7.6% |
| 4 | First Farmers and Merchants Bank | 21 | 4.1% |
| 5 | Cmg Mortgage INC | 18 | 3.5% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Hickman 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 Hickman 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.