Mortgage lending in Cumberland County, Tennessee
Lenders in Cumberland County, Tennessee reported 2,656 mortgage applications for 2025, according to the CFPB.
2,656 mortgage applications and 1,515 loans originated in 2025; the denial rate was 21.3% of 2,044 applications decided. The median loan was about $205,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Cumberland County, TN.
- 2,656
- Applications
- 1,515
- Loans originated
- 21.3%
- Denial rate
- 436 denied of 2,044 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 2,656 | 1,515 |
| 2024 | 2,309 | 1,211 |
| 2023 | 2,246 | 1,154 |
| 2022 | 2,815 | 1,576 |
| 2021 | 3,985 | 2,365 |
| 2020 | 3,631 | 2,238 |
| 2019 | 2,468 | 1,483 |
| 2018 | 2,192 | 1,299 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Rocket Mortgage | 158 | 202 |
| One Bank of Tennessee | 77 | 83 |
| Regions Bank | 74 | 127 |
| VanDyk Mortgage Corporation | 72 | 101 |
| United Wholesale Mortgage | 65 | 96 |
| Smartbank | 54 | 67 |
| Firstbank | 48 | 79 |
| Mortgage Investors Group | 47 | 65 |
| Pennymac Loan Services LLC | 44 | 68 |
| Mortgage Research Center | 43 | 88 |
| CMG Mortgage Inc | 28 | 43 |
| Das Acquisition Company, LLC | 28 | 37 |
| US Bank, N.A. | 28 | 58 |
| Nationstar Mortgage | 27 | 38 |
| Navy Federal Credit Union | 26 | 38 |
| Farm Credit Mid-America, Aca | 23 | 29 |
| Freedom Mortgage Corporation | 21 | 44 |
| Embrace Home Loans, Inc. | 20 | 25 |
| 21ST Mortgage | 19 | 74 |
| Crosscountry Mortgage, LLC | 17 | 27 |
| New American Funding, LLC. | 16 | 37 |
| Amerisave Mortgage Company | 16 | 44 |
| A&d Mortgage LLC | 14 | 18 |
| loanDepot.com LLC | 14 | 23 |
| Newrez LLC | 14 | 36 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 16 | no rate: base under 50 |
| Asian | under 10 | |
| Black or African American | withheld | |
| White | 2,258 | 20.8% of 1,746 decided |
| Joint | 42 | no rate: base under 50 |
| Race Not Available | 320 | 25.2% of 242 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | withheld | |
| Not Hispanic or Latino | 2,176 | 20.0% of 1,677 decided |
| Joint | 50 | no rate: base under 50 |
| Ethnicity Not Available | 382 | 26.1% of 291 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 751 | 22.4% of 575 decided |
| Female | 565 | 26.3% of 426 decided |
| Joint | 1,142 | 18.1% of 901 decided |
| Sex Not Available | 198 | 22.5% of 142 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. 1061 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