Mortgage lending in Franklin County, Tennessee
Lenders in Franklin County, Tennessee reported 1,885 mortgage applications for 2025, according to the CFPB.
1,885 mortgage applications and 1,134 loans originated in 2025; the denial rate was 18.5% of 1,490 applications decided. The median loan was about $235,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the low-income housing hub: Franklin County, TN.
- 1,885
- Applications
- 1,134
- Loans originated
- 18.5%
- Denial rate
- 275 denied of 1,490 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 1,885 | 1,134 |
| 2024 | 1,700 | 1,049 |
| 2023 | 1,637 | 1,014 |
| 2022 | 2,190 | 1,353 |
| 2021 | 2,768 | 1,845 |
| 2020 | 2,460 | 1,585 |
| 2019 | 1,669 | 1,024 |
| 2018 | 1,383 | 873 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Ascend Federal Credit Union | 98 | 152 |
| Rocket Mortgage | 93 | 119 |
| Citizens Tri County Bank | 77 | 103 |
| First Community Mortgage, Inc. | 75 | 99 |
| United Wholesale Mortgage | 66 | 90 |
| Firstbank | 50 | 61 |
| CMG Mortgage Inc | 46 | 64 |
| Regions Bank | 33 | 68 |
| Primis Bank | 32 | 46 |
| Mortgage Research Center | 24 | 43 |
| Wellworth Bank | 23 | 24 |
| US Bank, N.A. | 21 | 33 |
| First Vision Bank of Tennessee | 20 | 23 |
| Pennymac Loan Services LLC | 18 | 47 |
| Freedom Mortgage Corporation | 17 | 40 |
| New American Funding, LLC. | 16 | 39 |
| Redstone Federal Credit Union | 13 | 21 |
| Crosscountry Mortgage, LLC | 13 | 20 |
| loanDepot.com LLC | 11 | 13 |
| Nationstar Mortgage | 11 | 13 |
| Smartbank | 10 | 13 |
| Truist Bank | 10 | 19 |
| Newrez LLC | 8 | 24 |
| First National Bank of Middle Tennessee | 8 | 11 |
| Union Home Mortgage Corp. | 8 | 10 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | under 10 | |
| Asian | 12 | no rate: base under 50 |
| Black or African American | 64 | no rate: base under 50 |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 1,477 | 17.8% of 1,188 decided |
| 2 or more minority races | under 10 | |
| Joint | 33 | no rate: base under 50 |
| Race Not Available | 288 | 17.8% of 214 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 34 | no rate: base under 50 |
| Not Hispanic or Latino | 1,510 | 17.9% of 1,202 decided |
| Joint | 29 | no rate: base under 50 |
| Ethnicity Not Available | 312 | 20.0% of 235 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 657 | 19.1% of 514 decided |
| Female | 339 | 23.9% of 264 decided |
| Joint | 695 | 15.3% of 574 decided |
| Sex Not Available | 194 | 18.8% of 138 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. 705 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