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2024 data HMDA 2024 disclosure official source

Houston County

419 mortgage applications, 21.2% denial rate. Verify FIPS 47083 with U.S. Census Bureau →

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Tennessee · FIPS 47083

Local mortgage market. Houston County, Tennessee saw 419 HMDA-reported mortgage applications in 2024. Lenders originated 217 of those loans and denied 89, producing a denial rate of 21.2% and an approval (origination) rate of 51.8%. The average loan amount was $172,947 at an average note rate of 7.16%, with applicants self-reporting average annual income of $38K. 75 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.

FIPS 47083 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

419
Applications
217
Originated
21.2%
Denial Rate
51.8%
Approval Rate
$172,947
Avg Loan Amount
7.16%
Avg Interest Rate
$38K
Avg Applicant Income
4.6x
Loan-to-Income Ratio

Nearby Lenders in Houston 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 Traditions First Bank 40 18.4%
2 Rocket Mortgage 16 7.4%
3 Regions Bank 8 3.7%
4 Vanderbilt Mortgage and Finance, INC 8 3.7%
5 First Federal Bank 8 3.7%
Compare Traditions First Bank vs Rocket Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Houston County?
In the 2024 HMDA reporting year, 419 mortgage applications were filed in Houston County, Tennessee. Of these, 217 were originated (approved and funded), while 89 were denied, resulting in a denial rate of 21.2%.
What is the mortgage denial rate in Houston County?
The mortgage denial rate in Houston County is 21.2%. The approval (origination) rate is 51.8%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Houston County?
The average mortgage loan amount in Houston County is $172,947. The average interest rate is 7.156%. The average applicant income is $38K.
What is the loan-to-income ratio in Houston County?
The average loan-to-income ratio in Houston County is 4.6x, meaning borrowers took on loans averaging 4.6 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Houston County?
The top mortgage lenders in Houston County by origination volume are Traditions First Bank, Rocket Mortgage, Regions Bank. In total, 75 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.