Mortgage lending in Polk County, Tennessee
Lenders in Polk County, Tennessee reported 731 mortgage applications for 2025, according to the CFPB.
731 mortgage applications and 376 loans originated in 2025; the denial rate was 25.7% of 556 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: Cleveland, TN MSA.
- 731
- Applications
- 376
- Loans originated
- 25.7%
- Denial rate
- 143 denied of 556 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 731 | 376 |
| 2024 | 651 | 326 |
| 2023 | 653 | 310 |
| 2022 | 802 | 405 |
| 2021 | 873 | 446 |
| 2020 | 831 | 437 |
| 2019 | 602 | 326 |
| 2018 | 629 | 309 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Rocket Mortgage | 30 | 47 |
| CMG Mortgage Inc | 18 | 20 |
| United Community Bank | 18 | 25 |
| Builtwell Bank | 16 | 25 |
| First Citizens National Bank | 16 | 19 |
| Tennessee Valley Federal C U | 15 | 26 |
| United Wholesale Mortgage | 14 | 19 |
| Mortgage Research Center | 13 | 24 |
| Vanderbilt Mortgage and Finance, Inc | 11 | 56 |
| Peoples Bank of East Tennessee | 11 | 13 |
| Union Home Mortgage Corp. | 9 | 13 |
| Firstbank | 8 | 14 |
| Bank of Cleveland | 8 | 9 |
| Cadence Bank | 8 | 9 |
| Citadel Servicing Corporation | 6 | 6 |
| Old National Bank | 6 | 8 |
| Regions Bank | 6 | 17 |
| loanDepot.com LLC | 5 | 7 |
| Newrez LLC | 5 | 8 |
| Mortgage Investors Group | 5 | 7 |
| A&d Mortgage LLC | 4 | 5 |
| Southwest Stage Funding LLC | 4 | 9 |
| Navy Federal Credit Union | 4 | 8 |
| Triad Financial Services, Inc. | 4 | 9 |
| First Financial Bank NA | 4 | 9 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | under 10 | |
| Black or African American | under 10 | |
| White | 614 | 26.0% of 473 decided |
| Joint | under 10 | |
| Race Not Available | 103 | 22.7% of 75 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 20 | no rate: base under 50 |
| Not Hispanic or Latino | 584 | 25.0% of 452 decided |
| Joint | 17 | no rate: base under 50 |
| Ethnicity Not Available | 110 | 26.7% of 75 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 253 | 27.4% of 186 decided |
| Female | 126 | 33.3% of 96 decided |
| Joint | 287 | 22.0% of 227 decided |
| Sex Not Available | 65 | no rate: base under 50 |
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. 1066 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