Smith County
Tennessee · FIPS 47159
According to CFPB HMDA 2024 application volume among U.S. counties, Smith County ranks #1,530 of 3,223, and #60 of 95 in Tennessee.
Mortgage lending activity in Smith 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. Smith County, Tennessee lenders denied 110 of the applications reported here, financing the rest at an average note rate of 7.21%, with applicants self-reporting average annual income of $37K. 125 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 6.5x, meaning typical borrowers took on mortgages of about 6.5 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 Smith County
In Smith County, lead originator Citizens Bank funded 16.2% of 506 originated loans, in the middle tercile of U.S. counties (~10.9-16.7% top-1). The top three reporters together hold 31.0% of the book; a local credit union or regional bank still sits beside the national wholesalers.
Counties With Similar Application Volume
Nationwide counties nearest to Smith County's 898 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Smith County's $241,459 average loan (deduped against volume peers).
Lenders active in Smith County
Citizens Bank funded 82 of the 506 loans originated in Smith County, 16.2% of the county. 125 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Citizens Bank | 82 | 16.2% |
| 2 | Wilson Bank and Trust | 53 | 10.5% |
| 3 | Rocket Mortgage | 22 | 4.3% |
| 4 | United Wholesale Mortgage | 21 | 4.2% |
| 5 | Citizens Bank | 20 | 4.0% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Smith 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 Smith 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.