Sequatchie County
Tennessee · FIPS 47153
According to CFPB HMDA 2024 application volume among U.S. counties, Sequatchie County ranks #1,592 of 3,210, and #63 of 95 in Tennessee.
Mortgage lending activity in Sequatchie 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. Sequatchie County, Tennessee saw 817 HMDA-reported mortgage applications in 2024. Lenders originated 372 of those loans and denied 160, producing a denial rate of 19.6% and an approval (origination) rate of 45.5%. The average loan amount was $234,963 at an average note rate of 7.25%, with applicants self-reporting average annual income of $37K. 100 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 6.4x, meaning typical borrowers took on mortgages of about 6.4 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 Sequatchie County
In Sequatchie County, lead originator Citizens Tri County Bank funded 16.9% of 372 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 28.5% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Sequatchie County's 817 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Sequatchie County's $234,963 average loan (deduped against volume peers).
Lenders active in Sequatchie County
Citizens Tri County Bank funded 63 of the 372 loans originated in Sequatchie County, 16.9% of the county. 100 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Citizens Tri County Bank | 63 | 16.9% |
| 2 | Rocket Mortgage | 24 | 6.5% |
| 3 | Mountain Valley Bank | 19 | 5.1% |
| 4 | FIRSTBANK | 14 | 3.8% |
| 5 | Tennessee Valley Federal C U | 14 | 3.8% |
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; does not constitute financial advice for Sequatchie County borrowers.
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 Sequatchie County 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. 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.