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2024 data HMDA 2024 disclosure official source

Trousdale County

484 mortgage applications, 15.1% denial rate. Verify FIPS 47169 with U.S. Census Bureau →

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Tennessee · FIPS 47169

Local mortgage market. Trousdale County, Tennessee saw 484 HMDA-reported mortgage applications in 2024. Lenders originated 273 of those loans and denied 73, producing a denial rate of 15.1% and an approval (origination) rate of 56.4%. The average loan amount was $272,769 at an average note rate of 7.16%, with applicants self-reporting average annual income of $37K. 89 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 7.4x, meaning typical borrowers took on mortgages of about 7.4 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.

FIPS 47169 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

484
Applications
273
Originated
15.1%
Denial Rate
56.4%
Approval Rate
$272,769
Avg Loan Amount
7.16%
Avg Interest Rate
$37K
Avg Applicant Income
7.4x
Loan-to-Income Ratio

Nearby Lenders in Trousdale 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 Wilson Bank and Trust 34 12.5%
2 Rocket Mortgage 21 7.7%
3 United Wholesale Mortgage 13 4.8%
4 Cmg Mortgage INC 11 4.0%
5 First National Bank 10 3.7%
Compare Wilson Bank and Trust vs Rocket Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Trousdale County?
In the 2024 HMDA reporting year, 484 mortgage applications were filed in Trousdale County, Tennessee. Of these, 273 were originated (approved and funded), while 73 were denied, resulting in a denial rate of 15.1%.
What is the mortgage denial rate in Trousdale County?
The mortgage denial rate in Trousdale County is 15.1%. The approval (origination) rate is 56.4%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Trousdale County?
The average mortgage loan amount in Trousdale County is $272,769. The average interest rate is 7.162%. The average applicant income is $37K.
What is the loan-to-income ratio in Trousdale County?
The average loan-to-income ratio in Trousdale County is 7.4x, meaning borrowers took on loans averaging 7.4 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Trousdale County?
The top mortgage lenders in Trousdale County by origination volume are Wilson Bank and Trust, Rocket Mortgage, United Wholesale Mortgage. In total, 89 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.