Mortgage lending in Fayette County, Tennessee
Lenders in Fayette County, Tennessee reported 2,169 mortgage applications for 2025, according to the CFPB.
2,169 mortgage applications and 1,267 loans originated in 2025; the denial rate was 22.2% of 1,716 applications decided. The median loan was about $275,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Memphis, TN-MS-AR HUD Metro FMR Area.
- 2,169
- Applications
- 1,267
- Loans originated
- 22.2%
- Denial rate
- 381 denied of 1,716 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 2,169 | 1,267 |
| 2024 | 2,043 | 1,213 |
| 2023 | 1,802 | 1,057 |
| 2022 | 2,452 | 1,465 |
| 2021 | 3,615 | 2,402 |
| 2020 | 3,604 | 2,418 |
| 2019 | 2,337 | 1,478 |
| 2018 | 1,916 | 1,202 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Cadence Bank | 126 | 188 |
| DHI Mortgage Company, LTD. | 79 | 109 |
| Rocket Mortgage | 68 | 99 |
| The Bank of Fayette County | 55 | 70 |
| Community Mortgage Corporation | 45 | 61 |
| United Wholesale Mortgage | 43 | 57 |
| Leaders Credit Union | 33 | 45 |
| Regions Bank | 33 | 88 |
| Navy Federal Credit Union | 29 | 62 |
| Pinnacle Bank | 27 | 39 |
| Bartlett Mortgage Inc. | 27 | 32 |
| Trustmark Bank | 26 | 42 |
| Freedom Mortgage Corporation | 24 | 53 |
| Bank of Bartlett | 23 | 35 |
| First Citizens National Bank | 22 | 32 |
| Mortgage Research Center | 21 | 40 |
| Guaranteed Rate, Inc. | 20 | 29 |
| Patriot Bank | 19 | 30 |
| Pennymac Loan Services LLC | 18 | 45 |
| Mortgage Investors Group | 17 | 21 |
| First Horizon Bank | 14 | 30 |
| Citizens Bank, NA | 14 | 20 |
| Orion Federal Credit Union | 13 | 17 |
| Nationstar Mortgage | 12 | 21 |
| US Bank, N.A. | 12 | 19 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | under 10 | |
| Asian | 34 | no rate: base under 50 |
| Black or African American | 484 | 31.7% of 363 decided |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 1,301 | 17.7% of 1,075 decided |
| 2 or more minority races | under 10 | |
| Joint | 28 | no rate: base under 50 |
| Free Form Text Only | under 10 | |
| Race Not Available | 312 | 30.1% of 216 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 65 | 23.1% of 52 decided |
| Not Hispanic or Latino | 1,760 | 20.9% of 1,423 decided |
| Joint | withheld | |
| Ethnicity Not Available | 321 | 30.6% of 222 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 744 | 23.3% of 585 decided |
| Female | 484 | 26.6% of 372 decided |
| Joint | 785 | 16.5% of 656 decided |
| Sex Not Available | 156 | 36.9% of 103 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. 434 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