Mortgage lending in Bradley County, Tennessee
Lenders in Bradley County, Tennessee reported 4,682 mortgage applications for 2025, according to the CFPB.
4,682 mortgage applications and 2,671 loans originated in 2025; the denial rate was 23.1% of 3,681 applications decided. The median loan was about $225,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Cleveland, TN MSA.
- 4,682
- Applications
- 2,671
- Loans originated
- 23.1%
- Denial rate
- 851 denied of 3,681 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 4,682 | 2,671 |
| 2024 | 4,442 | 2,517 |
| 2023 | 3,975 | 2,207 |
| 2022 | 5,320 | 3,015 |
| 2021 | 7,144 | 4,415 |
| 2020 | 6,251 | 4,035 |
| 2019 | 4,456 | 2,826 |
| 2018 | 3,987 | 2,434 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Rocket Mortgage | 193 | 262 |
| CMG Mortgage Inc | 132 | 182 |
| Regions Bank | 128 | 230 |
| Tennessee Valley Federal C U | 118 | 212 |
| Bank of Cleveland | 116 | 133 |
| First Citizens National Bank | 111 | 162 |
| DHI Mortgage Company, LTD. | 94 | 156 |
| United Wholesale Mortgage | 94 | 132 |
| United Community Bank | 89 | 130 |
| Firstbank | 67 | 91 |
| Builtwell Bank | 58 | 66 |
| Smartbank | 57 | 65 |
| Truist Bank | 55 | 129 |
| Mortgage Research Center | 54 | 94 |
| Freedom Mortgage Corporation | 42 | 94 |
| Cadence Bank | 40 | 55 |
| SouthEast Bank | 39 | 52 |
| Union Home Mortgage Corp. | 39 | 71 |
| Movement Mortgage, LLC | 33 | 39 |
| Navy Federal Credit Union | 32 | 55 |
| Pennymac Loan Services LLC | 32 | 55 |
| The Loan Store, Inc | 30 | 37 |
| Summit Funding.inc | 29 | 42 |
| Mortgage Investors Group | 26 | 41 |
| First Horizon Bank | 26 | 57 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 29 | no rate: base under 50 |
| Asian | 84 | 28.4% of 74 decided |
| Black or African American | 155 | 30.8% of 107 decided |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 3,759 | 22.6% of 2,998 decided |
| 2 or more minority races | under 10 | |
| Joint | 106 | 25.9% of 81 decided |
| Free Form Text Only | under 10 | |
| Race Not Available | 540 | 22.8% of 390 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 256 | 31.2% of 199 decided |
| Not Hispanic or Latino | 3,743 | 22.3% of 2,984 decided |
| Joint | withheld | |
| Ethnicity Not Available | 568 | 24.8% of 404 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 1,666 | 23.3% of 1,300 decided |
| Female | 893 | 29.8% of 705 decided |
| Joint | 1,827 | 19.8% of 1,462 decided |
| Sex Not Available | 296 | 22.9% of 214 decided |
A category under 10 applications prints “under 10”, and beside a lone one the next-smallest is withheld too, so neither can be worked out from the whole. No rate is printed on fewer than 50 decisions. A denial rate does not control for credit history, income, debt or the property, so a difference between groups is not a measure of discrimination.
Rankings this appears in
- No. 810 Counties by median mortgage
Sources
- HMDA public loan/application register (LAR) — each year's fullest national release — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- Census Bureau population estimates — nation and states, with components of change — U.S. Census Bureau · U.S. Government work · retrieved September 25, 2026
- HMDA transmittal sheet — every reporting lender, by year, with its name — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder
- Census Bureau county population estimates — U.S. Census Bureau · U.S. Government work · retrieved September 23, 2026
Compiled automatically from HMDA public loan/application register (LAR) — each year's fullest national release, Census Bureau population estimates — nation and states, with components of change, HMDA transmittal sheet — every reporting lender, by year, with its name, HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder and Census Bureau county population estimates by a checked SQL query · Editor: Kian O'Connor · How this site is built
Data retrieved