Williamson County
Tennessee · FIPS 47187
According to CFPB HMDA 2024 application volume among U.S. counties, Williamson County ranks #231 of 3,223, and #7 of 95 in Tennessee.
Mortgage lending activity in Williamson 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. Williamson County, Tennessee lenders denied 1,601 of the applications reported here, financing the rest at an average note rate of 7.30%, with applicants self-reporting average annual income of $37K. 426 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 14.9x, meaning typical borrowers took on mortgages of about 14.9 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 Williamson County
In Williamson County, lead originator FIRSTBANK funded only 4.8% of 7,011 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 14.1% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Williamson County's 12,570 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Williamson County's $549,745 average loan (deduped against volume peers).
Lenders active in Williamson County
FIRSTBANK funded 338 of the 7,011 loans originated in Williamson County, 4.8% of the county. 426 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | FIRSTBANK | 338 | 4.8% |
| 2 | United Wholesale Mortgage | 338 | 4.8% |
| 3 | Rocket Mortgage | 314 | 4.5% |
| 4 | Regions Bank | 304 | 4.3% |
| 5 | Bank of America NA | 208 | 3.0% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Williamson 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 Williamson 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.