TN · Statewide HMDA 2024
Tennessee mortgage lending
According to the CFPB HMDA 2024 Snapshot, 1,142 reporting lenders · 95 counties · 10 metros.
Volume rank is not origination-share rank
According to the CFPB HMDA 2024 Snapshot, Tennessee ranks #14 of 54 by application volume but #33 of 52 states with 10,000+ applications on origination share (51.6%). Wisconsin leads that origination-share board at 64.0% on 214,597 applications. Volume rank is not origination-share rank.
- #33
- Origination-share rank of 52
- 51.6%
- Origination share
- 159,917
- Originated
- 16.1%
- Denial rate
According to the CFPB HMDA 2024 Snapshot. Origination share is originated divided by applications among states and territories with 10,000+ applications (the same floor as the national denial board). See /methodology#corpus-placement. Informational reporting, not mortgage advice.
Reported application outcomes
310,183reported applications
CFPB HMDA state filing plate
State TN · Tennessee 16.1% denial
VOL-HEAVY · DEN-MID · PHOTO-FINISH · ORIG-FLOOR · BOOK-FULL · LEAD-MIX
- VOL-HEAVY #14/54
- DEN-MID 16.1%
- PHOTO-FINISH Oklahoma
- ORIG-FLOOR 51.6%
- BOOK-FULL 1142 lenders
- LEAD-MIX 6% top
Photo-finish peer: Oklahoma · 16.1% denial (+0.0pp vs Tennessee)
2024 HMDA Snapshot state sheet, volume rank, denial band, origination share, and reporter book. Informational reporting only.
Denial-rate neighbourhood · Tennessee
Poles and nearest peers by statewide HMDA denial rate, not a full state roster.
Nationwide states with similar HMDA denial rate or application volume
Two statewide peer sets for Tennessee: nearest jurisdictions by denial rate and by mortgage applications filed. These are cross-state neighborhoods, distinct from the denial-band chart above.
Similar denial rate
Nearest states by statewide denial rate (16.1% here).
Similar application volume
Nearest states by HMDA applications filed (310,183 here).
Top lenders by originations · Tennessee
Funded loans among HMDA-reporting institutions active in this state.
Where Tennessee sits by application volume
2024 CFPB HMDA states and territories, bucketed by mortgage applications filed
310,183 Top 26% higher than 74% of 54 states and territories
Each bar is a 150,000-applications band. The dashed line and filled bar mark this state. Hover, tap, or focus a bar for its count and population share.
Source CFPB Home Mortgage Disclosure Act Snapshot National Loan-Level Dataset · 2024 reporting year
Top counties by originations · Tennessee
In-state county volume from the same HMDA county board linked below.
How to read this state sheet. Tennessee filed 310,183 HMDA-reported applications in 2024 (#14 of 54 by volume) with a 16.1% denial rate - near the national 17.2% baseline. White applicants (195,801 apps) show 16.3% denial; Black or African American applicants (25,245 apps) show 27.1% denial - rates on groups below 100 applications are marked too small to read. This page is informational data reporting, not financial, legal, or mortgage advice.
Nearby Lenders in Tennessee
Top HMDA-reporting lenders active in Tennessee. Compare any two side-by-side for rates, denial rates, and loan mix.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Rocket Mortgage | 9,560 | 6.0% |
| 2 | United Wholesale Mortgage | 7,495 | 4.7% |
| 3 | Regions Bank | 5,247 | 3.3% |
| 4 | Cmg Mortgage INC | 3,849 | 2.4% |
| 5 | Mortgage Investors Group | 3,769 | 2.4% |
Reported outcomes by applicant race in Tennessee
CFPB derived race categories. HMDA carries no credit score, debt-to-income ratio or down payment, so a gap between these rows is an outcome difference and never, on its own, evidence of discrimination.
| Race | Applications | Approval Rate | Denial Rate |
|---|---|---|---|
| White | 195,801 | 59.8% | 16.3% |
| Black or African American | 25,245 | 46.2% | 27.1% |
| Asian | 7,758 | 56.2% | 15.7% |
| Joint | 4,794 | 59.7% | 15.3% |
| American Indian or Alaska Native | 1,313 | 45.2% | 27.9% |
| 2 or more minority races | 469 | 42.6% | 30.9% |
| Native Hawaiian or Other Pacific Islander | 364 | 47.0% | 30.8% |
Every county in Tennessee, by lending volume
County totals sum the filings geocoded to that county, so they reconcile to the state row above rather than to any single lender's book.
| County | Applications | Originated | Denial Rate | Avg Loan |
|---|---|---|---|---|
| Davidson County | 29,781 | 15,467 | 15.6% | $405,422 |
| Shelby County | 28,859 | 13,963 | 18.8% | $228,570 |
| Knox County | 22,378 | 12,446 | 14.0% | $303,070 |
| Rutherford County | 17,434 | 9,252 | 14.8% | $310,693 |
| Hamilton County | 16,930 | 8,843 | 15.6% | $273,064 |
| Montgomery County | 14,420 | 7,495 | 14.1% | $275,998 |
| Williamson County | 12,570 | 7,011 | 12.7% | $549,745 |
| Sumner County | 11,214 | 5,934 | 13.2% | $323,093 |
| Wilson County | 8,677 | 4,592 | 13.0% | $354,933 |
| Sullivan County | 6,941 | 3,798 | 16.1% | $199,957 |
| Blount County | 6,794 | 3,538 | 16.3% | $253,923 |
| Maury County | 6,395 | 3,398 | 13.7% | $305,893 |
| Sevier County | 5,941 | 2,870 | 19.4% | $374,726 |
| Washington County | 5,527 | 3,088 | 15.8% | $260,889 |
| Bradley County | 5,014 | 2,516 | 17.3% | $230,882 |
| Robertson County | 4,259 | 2,230 | 13.7% | $273,274 |
| Madison County | 4,001 | 2,042 | 17.7% | $194,985 |
| Anderson County | 3,661 | 1,859 | 17.4% | $229,433 |
| Greene County | 3,152 | 1,473 | 20.1% | $193,839 |
| Loudon County | 3,030 | 1,655 | 14.3% | $300,871 |
| Dickson County | 2,997 | 1,598 | 15.4% | $272,020 |
| Roane County | 2,952 | 1,502 | 16.6% | $230,149 |
| Tipton County | 2,750 | 1,321 | 17.1% | $214,476 |
| Jefferson County | 2,680 | 1,348 | 18.6% | $232,407 |
| Hamblen County | 2,668 | 1,414 | 16.3% | $212,305 |
| Putnam County | 2,653 | 1,441 | 14.6% | $230,058 |
| McMinn County | 2,565 | 1,211 | 21.8% | $188,973 |
| Cumberland County | 2,544 | 1,207 | 18.8% | $204,831 |
| Coffee County | 2,500 | 1,324 | 14.1% | $230,068 |
| Hawkins County | 2,381 | 1,166 | 19.5% | $181,149 |
| Fayette County | 2,356 | 1,213 | 15.1% | $272,364 |
| Bedford County | 2,320 | 1,224 | 14.1% | $257,991 |
| Cheatham County | 2,317 | 1,262 | 15.4% | $271,413 |
| Monroe County | 2,174 | 983 | 20.8% | $210,225 |
| Gibson County | 2,076 | 1,117 | 17.6% | $164,355 |
| Carter County | 1,981 | 1,039 | 17.5% | $188,145 |
| Franklin County | 1,957 | 1,040 | 11.8% | $255,787 |
| Campbell County | 1,839 | 944 | 19.9% | $198,105 |
| Marshall County | 1,822 | 987 | 11.8% | $245,011 |
| Warren County | 1,599 | 813 | 14.1% | $204,962 |
| Lawrence County | 1,575 | 838 | 16.4% | $197,216 |
| Lincoln County | 1,513 | 784 | 14.9% | $201,960 |
| Rhea County | 1,493 | 723 | 18.9% | $207,465 |
| Dyer County | 1,360 | 699 | 18.8% | $148,743 |
| Marion County | 1,304 | 653 | 17.5% | $235,422 |
| Henry County | 1,290 | 651 | 19.7% | $161,969 |
| Cocke County | 1,162 | 475 | 24.7% | $186,136 |
| Claiborne County | 1,153 | 490 | 26.4% | $186,379 |
| White County | 1,151 | 579 | 18.7% | $194,531 |
| Giles County | 1,142 | 586 | 16.6% | $215,508 |
| Macon County | 1,126 | 650 | 11.0% | $214,130 |
| Carroll County | 1,107 | 619 | 17.5% | $144,160 |
| Hickman County | 1,083 | 514 | 21.5% | $219,303 |
| Grainger County | 1,074 | 511 | 20.6% | $208,883 |
| DeKalb County | 1,063 | 568 | 13.9% | $247,183 |
| Union County | 1,052 | 509 | 21.1% | $230,656 |
| Weakley County | 1,042 | 528 | 18.9% | $174,779 |
| Obion County | 1,011 | 507 | 19.5% | $135,841 |
| Henderson County | 972 | 505 | 18.6% | $158,940 |
| Smith County | 898 | 506 | 12.3% | $241,459 |
| McNairy County | 884 | 422 | 18.1% | $153,925 |
| Humphreys County | 850 | 438 | 16.4% | $197,882 |
| Sequatchie County | 817 | 372 | 19.6% | $234,963 |
| Hardin County | 814 | 433 | 16.9% | $199,226 |
| Morgan County | 799 | 361 | 24.4% | $181,345 |
| Stewart County | 767 | 389 | 19.3% | $210,932 |
| Fentress County | 762 | 355 | 20.3% | $204,711 |
| Hardeman County | 759 | 347 | 22.3% | $155,659 |
| Lauderdale County | 740 | 347 | 22.7% | $129,419 |
| Benton County | 739 | 378 | 20.3% | $161,306 |
| Polk County | 734 | 326 | 22.5% | $197,044 |
| Cannon County | 696 | 363 | 13.9% | $219,109 |
| Overton County | 684 | 335 | 16.8% | $203,173 |
| Scott County | 666 | 323 | 21.0% | $160,676 |
| Chester County | 651 | 313 | 18.4% | $165,323 |
| Meigs County | 648 | 280 | 25.5% | $228,272 |
| Unicoi County | 612 | 320 | 16.7% | $187,582 |
| Grundy County | 577 | 278 | 17.9% | $172,192 |
| Lewis County | 542 | 262 | 17.5% | $203,487 |
| Bledsoe County | 525 | 214 | 25.1% | $188,943 |
| Trousdale County | 484 | 273 | 15.1% | $272,769 |
| Jackson County | 484 | 236 | 20.4% | $167,810 |
| Crockett County | 480 | 250 | 18.5% | $162,750 |
| Decatur County | 471 | 238 | 19.3% | $158,036 |
| Johnson County | 469 | 219 | 22.4% | $190,011 |
| Haywood County | 469 | 203 | 22.6% | $159,989 |
| Houston County | 419 | 217 | 21.2% | $172,947 |
| Wayne County | 364 | 175 | 20.3% | $169,093 |
| Van Buren County | 349 | 180 | 16.1% | $220,272 |
| Moore County | 263 | 147 | 18.3% | $281,882 |
| Clay County | 232 | 112 | 24.1% | $187,026 |
| Perry County | 197 | 86 | 23.4% | $209,518 |
| Pickett County | 184 | 98 | 13.6% | $208,098 |
| Hancock County | 168 | 67 | 25.0% | $176,429 |
| Lake County | 166 | 75 | 28.9% | $97,711 |
Metro Areas in Tennessee
Frequently Asked Questions
How many mortgage applications were filed in Tennessee?
Where does Tennessee sit among U.S. states for mortgage volume?
What is the mortgage denial rate in Tennessee?
What is the average mortgage loan amount in Tennessee?
How many mortgage lenders operate in Tennessee?
How do mortgage denial rates vary by demographics in Tennessee?
Which counties in Tennessee have the most mortgage activity?
Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. State geography per U.S. Census Bureau standards.
Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Demographic data reflects derived categories as reported by applicants. 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. 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.