Sevier County
Tennessee · FIPS 47155
According to CFPB HMDA 2024 application volume among U.S. counties, Sevier County ranks #441 of 3,210, and #13 of 95 in Tennessee.
Mortgage lending activity in Sevier 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. Sevier County, Tennessee saw 5,941 HMDA-reported mortgage applications in 2024. Lenders originated 2,870 of those loans and denied 1,155, producing a denial rate of 19.4% and an approval (origination) rate of 48.3%. The average loan amount was $374,726 at an average note rate of 7.45%, with applicants self-reporting average annual income of $38K. 355 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 9.9x, meaning typical borrowers took on mortgages of about 9.9 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 Sevier County
In Sevier County, lead originator United Wholesale Mortgage funded only 6.1% of 2,870 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 17.0% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Sevier County's 5,941 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Sevier County's $374,726 average loan (deduped against volume peers).
Lenders active in Sevier County
United Wholesale Mortgage funded 176 of the 2,870 loans originated in Sevier County, 6.1% of the county. 355 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | United Wholesale Mortgage | 176 | 6.1% |
| 2 | Rocket Mortgage | 166 | 5.8% |
| 3 | Mortgage Investors Group | 147 | 5.1% |
| 4 | Movement Mortgage, LLC | 128 | 4.5% |
| 5 | Knoxville TVA Employees Credit Union | 122 | 4.3% |
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 Sevier 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 Sevier 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.