Mortgage lending in Madison County, Tennessee
Lenders in Madison County, Tennessee reported 3,766 mortgage applications for 2025, according to the CFPB.
3,766 mortgage applications and 2,167 loans originated in 2025; the denial rate was 23.7% of 3,010 applications decided. The median loan was about $185,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Jackson, TN HUD Metro FMR Area.
- 3,766
- Applications
- 2,167
- Loans originated
- 23.7%
- Denial rate
- 714 denied of 3,010 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 3,766 | 2,167 |
| 2024 | 3,536 | 2,043 |
| 2023 | 3,317 | 1,900 |
| 2022 | 4,210 | 2,461 |
| 2021 | 4,935 | 3,038 |
| 2020 | 4,557 | 2,904 |
| 2019 | 3,415 | 2,259 |
| 2018 | 3,170 | 2,091 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Leaders Credit Union | 458 | 662 |
| Rocket Mortgage | 137 | 200 |
| Cadence Bank | 128 | 196 |
| Regions Bank | 124 | 274 |
| Firstbank | 97 | 129 |
| Commercial Bank & Trust Company | 72 | 87 |
| First Community Mortgage, Inc. | 72 | 97 |
| Mortgage Investors Group | 70 | 80 |
| United Wholesale Mortgage | 65 | 116 |
| Simmons Bank | 61 | 90 |
| Community Bank | 50 | 52 |
| Centennial Bank | 50 | 60 |
| Mortgage Research Center | 38 | 77 |
| Pennymac Loan Services LLC | 30 | 67 |
| DHI Mortgage Company, LTD. | 27 | 34 |
| Decatur County Bank | 26 | 35 |
| Carroll Bank and Trust | 22 | 22 |
| Navy Federal Credit Union | 21 | 39 |
| Freedom Mortgage Corporation | 20 | 60 |
| First Citizens National Bank | 19 | 26 |
| McKenzie Banking Company | 18 | 26 |
| First South Financial Federal Credit Union | 18 | 29 |
| First Horizon Bank | 18 | 42 |
| Newrez LLC | 16 | 51 |
| Nationstar Mortgage | 13 | 19 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | under 10 | |
| Asian | 59 | no rate: base under 50 |
| Black or African American | 780 | 38.7% of 600 decided |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 2,144 | 19.0% of 1,759 decided |
| 2 or more minority races | under 10 | |
| Joint | 54 | no rate: base under 50 |
| Free Form Text Only | under 10 | |
| Race Not Available | 713 | 22.6% of 558 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 117 | 31.8% of 85 decided |
| Not Hispanic or Latino | 2,861 | 23.5% of 2,309 decided |
| Joint | 49 | no rate: base under 50 |
| Ethnicity Not Available | 739 | 24.0% of 576 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 1,236 | 25.3% of 976 decided |
| Female | 961 | 31.0% of 758 decided |
| Joint | 1,110 | 18.2% of 912 decided |
| Sex Not Available | 459 | 18.1% of 364 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. 1316 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