Mortgage lending in Jefferson County, Tennessee
Lenders in Jefferson County, Tennessee reported 2,911 mortgage applications for 2025, according to the CFPB.
2,911 mortgage applications and 1,587 loans originated in 2025; the denial rate was 24.3% of 2,266 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 housing hub: Morristown, TN HUD Metro FMR Area.
- 2,911
- Applications
- 1,587
- Loans originated
- 24.3%
- Denial rate
- 551 denied of 2,266 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 2,911 | 1,587 |
| 2024 | 2,456 | 1,348 |
| 2023 | 2,407 | 1,326 |
| 2022 | 3,167 | 1,786 |
| 2021 | 3,740 | 2,214 |
| 2020 | 3,402 | 1,971 |
| 2019 | 2,582 | 1,452 |
| 2018 | 2,347 | 1,312 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Knoxville TVA Employees Credit Union | 146 | 179 |
| Rocket Mortgage | 117 | 173 |
| United Wholesale Mortgage | 90 | 123 |
| DHI Mortgage Company, LTD. | 66 | 102 |
| Firstbank | 59 | 92 |
| Mortgage Investors Group | 52 | 73 |
| CMG Mortgage Inc | 47 | 70 |
| Union Home Mortgage Corp. | 37 | 41 |
| Ornl Federal Credit Union | 33 | 58 |
| First Horizon Bank | 32 | 52 |
| Vanderbilt Mortgage and Finance, Inc | 31 | 237 |
| Stockton Mortgage Corporation | 31 | 37 |
| Truist Bank | 29 | 53 |
| Mortgage Research Center | 28 | 62 |
| First Community Mortgage, Inc. | 26 | 29 |
| Regions Bank | 26 | 67 |
| Consumer Credit Union | 25 | 38 |
| Pennymac Loan Services LLC | 23 | 42 |
| US Bank, N.A. | 21 | 43 |
| Freedom Mortgage Corporation | 20 | 53 |
| American Pacific Mortgage Corporation | 16 | 17 |
| Fairway Independent Mort Corp | 16 | 20 |
| Crosscountry Mortgage, LLC | 16 | 37 |
| Navy Federal Credit Union | 14 | 28 |
| Guild Mortgage Company | 14 | 18 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 11 | no rate: base under 50 |
| Asian | 21 | no rate: base under 50 |
| Black or African American | 38 | no rate: base under 50 |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 2,443 | 24.3% of 1,913 decided |
| 2 or more minority races | under 10 | |
| Joint | 43 | no rate: base under 50 |
| Race Not Available | 352 | 22.3% of 265 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 98 | 36.5% of 74 decided |
| Not Hispanic or Latino | 2,389 | 24.0% of 1,882 decided |
| Joint | 46 | no rate: base under 50 |
| Ethnicity Not Available | 378 | 23.7% of 278 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 979 | 25.0% of 735 decided |
| Female | 548 | 34.4% of 422 decided |
| Joint | 1,173 | 19.6% of 950 decided |
| Sex Not Available | 211 | 22.6% of 159 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. 706 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