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2024 data HMDA 2024 disclosure official source

Unicoi County

612 mortgage applications, 16.7% denial rate. Verify FIPS 47171 with U.S. Census Bureau →

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Tennessee · FIPS 47171

Local mortgage market. Unicoi County, Tennessee saw 612 HMDA-reported mortgage applications in 2024. Lenders originated 320 of those loans and denied 102, producing a denial rate of 16.7% and an approval (origination) rate of 52.3%. The average loan amount was $187,582 at an average note rate of 7.22%, with applicants self-reporting average annual income of $39K. 86 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 4.8x, meaning typical borrowers took on mortgages of about 4.8 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 47171 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

612
Applications
320
Originated
16.7%
Denial Rate
52.3%
Approval Rate
$187,582
Avg Loan Amount
7.22%
Avg Interest Rate
$39K
Avg Applicant Income
4.8x
Loan-to-Income Ratio

Nearby Lenders in Unicoi 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 Eastman Credit Union 51 15.9%
2 Clinchfield Federal Credit Union 29 9.1%
3 Rocket Mortgage 24 7.5%
4 Movement Mortgage, LLC 18 5.6%
5 Bank of Tennessee 16 5.0%
Compare Eastman Credit Union vs Clinchfield Federal Credit Union →

Frequently Asked Questions

How many mortgage applications were filed in Unicoi County?
In the 2024 HMDA reporting year, 612 mortgage applications were filed in Unicoi County, Tennessee. Of these, 320 were originated (approved and funded), while 102 were denied, resulting in a denial rate of 16.7%.
What is the mortgage denial rate in Unicoi County?
The mortgage denial rate in Unicoi County is 16.7%. The approval (origination) rate is 52.3%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Unicoi County?
The average mortgage loan amount in Unicoi County is $187,582. The average interest rate is 7.224%. The average applicant income is $39K.
What is the loan-to-income ratio in Unicoi County?
The average loan-to-income ratio in Unicoi County is 4.8x, meaning borrowers took on loans averaging 4.8 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Unicoi County?
The top mortgage lenders in Unicoi County by origination volume are Eastman Credit Union, Clinchfield Federal Credit Union, Rocket Mortgage. In total, 86 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.