Johnson City
Metropolitan Statistical Area · MSA Code 27740
According to CFPB HMDA 2024 application volume among tracked metros, Johnson City ranks #237 of 418.
Mortgage lending activity in the Johnson City metro area based on lender filings under the Home Mortgage Disclosure Act (HMDA). Data covers all applications received by HMDA-reporting institutions operating in this geography during 2024. Why mortgages get denied walks the denial-reason codes that appear in books like this one.
Metro-area mortgage activity. The Johnson City Metropolitan Statistical Area (MSA code 27740) financed its book at an average note rate of 7.21%. 20 major lenders are tracked for this metro - Eastman Credit Union, Movement Mortgage, LLC, Rocket Mortgage lead by origination volume. Among the 418 metros tracked, Johnson City sits in the 55th percentile for approval-friendliness by denial rate, and shares its 5-point denial-rate band with 241 other tracked metros.
What MSA numbers tell you, and what they don't. Metro area boundaries are defined by the U.S. Office of Management and Budget and typically span multiple counties, so a single Johnson City denial rate averages across urban core, inner suburbs, and outer commuter communities with very different borrower profiles. A 16.3% denial rate at the MSA level can coexist with widely varying individual-lender denial rates; $237,617 average loan size reflects the MSA's property values and the borrower pool that actually applied, not any single neighborhood. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Johnson City
In Johnson City, lead originator Eastman Credit Union funded 25.2% of 4,447 originated loans, above the fleet's upper tercile (~12.8% top-1). The top three reporters together hold 36.7% of the book, so a handful of names dominate disclosed volume here.
Metros With a Similar Denial Rate
The metro areas closest to Johnson City's 16.3% denial rate among all 418 tracked MSAs.
Metros With Similar Application Volume
Nationwide MSAs nearest to Johnson City's 8,120 HMDA applications (deduped against the denial-rate neighbourhood).
Metros With a Similar Average Loan
Nationwide MSAs nearest to Johnson City's $237,617 average loan (deduped against denial and volume peers).
Lenders active in the Johnson City metro
Eastman Credit Union funded 1,121 of the 4,447 loans originated here, 25.2% of the metro. 20 reporting lenders follow.
| # | Lender | Originated | Applications | Avg Loan | Market Share |
|---|---|---|---|---|---|
| 1 | Eastman Credit Union | 1,121 | 1,634 | $170,379 | 25.2% |
| 2 | Movement Mortgage, LLC | 260 | 384 | $242,760 | 5.8% |
| 3 | Rocket Mortgage | 253 | 341 | $219,780 | 5.7% |
| 4 | Bank of Tennessee | 178 | 272 | $201,176 | 4.0% |
| 5 | United Wholesale Mortgage | 170 | 224 | $283,259 | 3.8% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For the Johnson City metropolitan area, from the FFIEC/CFPB HMDA Snapshot National Loan-Level Dataset (2024) -- Metropolitan Statistical Areas are defined by the U.S. Office of Management and Budget (OMB). Not financial advice for Johnson City 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.