Union County
Tennessee · FIPS 47173
According to CFPB HMDA 2024 application volume among U.S. counties, Union County ranks #1,390 of 3,223, and #56 of 95 in Tennessee.
Mortgage lending activity in Union 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. Union County, Tennessee lenders denied 222 of the applications reported here, financing the rest at an average note rate of 7.09%, with applicants self-reporting average annual income of $38K. 118 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 6.1x, meaning typical borrowers took on mortgages of about 6.1 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 Union County
In Union County, lead originator DHI Mortgage Company, LTD. funded only 6.9% of 509 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 18.1% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Union County's 1,052 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Union County's $230,656 average loan (deduped against volume peers).
Lenders active in Union County
DHI Mortgage Company, LTD. funded 35 of the 509 loans originated in Union County, 6.9% of the county. 118 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | DHI Mortgage Company, LTD. | 35 | 6.9% |
| 2 | Rocket Mortgage | 30 | 5.9% |
| 3 | Ornl Federal Credit Union | 27 | 5.3% |
| 4 | United Wholesale Mortgage | 22 | 4.3% |
| 5 | First Century Bank | 20 | 3.9% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Union 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 Union 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.