Overton County
Tennessee · FIPS 47133
According to CFPB HMDA 2024 application volume among U.S. counties, Overton County ranks #1,771 of 3,223, and #73 of 95 in Tennessee.
Mortgage lending activity in Overton 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. Overton County, Tennessee lenders denied 115 of the applications reported here, financing the rest at an average note rate of 7.24%, with applicants self-reporting average annual income of $38K. 98 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 5.3x, meaning typical borrowers took on mortgages of about 5.3 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 Overton County
In Overton County, lead originator Citizens Bank funded only 10.7% of 335 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 23.3% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Overton County's 684 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Overton County's $203,173 average loan (deduped against volume peers).
Lenders active in Overton County
Citizens Bank funded 36 of the 335 loans originated in Overton County, 10.7% of the county. 98 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Citizens Bank | 36 | 10.7% |
| 2 | Rocket Mortgage | 24 | 7.2% |
| 3 | Mortgage Investors Group | 18 | 5.4% |
| 4 | United Wholesale Mortgage | 12 | 3.6% |
| 5 | American Financial Network, INC. | 11 | 3.3% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Overton 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 Overton 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.