Mortgage lending in Washington County, Tennessee
Lenders in Washington County, Tennessee reported 5,682 mortgage applications for 2025, according to the CFPB.
5,682 mortgage applications and 3,415 loans originated in 2025; the denial rate was 19.7% of 4,496 applications decided. The median loan was about $215,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Johnson City, TN MSA.
- 5,682
- Applications
- 3,415
- Loans originated
- 19.7%
- Denial rate
- 887 denied of 4,496 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 5,682 | 3,415 |
| 2024 | 5,108 | 3,090 |
| 2023 | 4,815 | 2,891 |
| 2022 | 5,987 | 3,682 |
| 2021 | 8,447 | 5,453 |
| 2020 | 8,120 | 5,189 |
| 2019 | 5,859 | 3,694 |
| 2018 | 5,042 | 3,126 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Eastman Credit Union | 769 | 1,214 |
| Rocket Mortgage | 211 | 276 |
| United Wholesale Mortgage | 177 | 233 |
| Movement Mortgage, LLC | 171 | 253 |
| DHI Mortgage Company, LTD. | 116 | 183 |
| Cardinal Financial Company, Li | 96 | 126 |
| First Horizon Bank | 90 | 147 |
| Regions Bank | 75 | 127 |
| Sierra Pacific Mortgage Co. Inc | 60 | 79 |
| Freedom Mortgage Corporation | 60 | 131 |
| GVC Mortgage, Inc. | 54 | 69 |
| Elizabethton Federal Savings Bank | 54 | 59 |
| Mortgage Research Center | 53 | 125 |
| Ark-LA-Tex Financial Services LLC | 48 | 63 |
| Bank of Tennessee | 48 | 87 |
| Ross Mortgage Corporation | 42 | 54 |
| Truist Bank | 42 | 79 |
| Mortgage Investors Group | 40 | 53 |
| Pennymac Loan Services LLC | 40 | 87 |
| Consumer Credit Union | 38 | 49 |
| First Bank and Trust Company | 36 | 39 |
| Vanderbilt Mortgage and Finance, Inc | 25 | 189 |
| Renasant Bank | 25 | 29 |
| Guild Mortgage Company | 25 | 34 |
| New American Funding, LLC. | 25 | 60 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 11 | no rate: base under 50 |
| Asian | 113 | 19.0% of 79 decided |
| Black or African American | 140 | 32.4% of 108 decided |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 4,510 | 19.3% of 3,617 decided |
| 2 or more minority races | under 10 | |
| Joint | 86 | 10.4% of 67 decided |
| Race Not Available | 809 | 20.8% of 607 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 151 | 29.1% of 117 decided |
| Not Hispanic or Latino | 4,566 | 19.0% of 3,661 decided |
| Joint | withheld | |
| Ethnicity Not Available | 878 | 22.7% of 653 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 1,811 | 22.1% of 1,441 decided |
| Female | 1,245 | 24.2% of 979 decided |
| Joint | 2,126 | 14.8% of 1,698 decided |
| Sex Not Available | 500 | 21.4% of 378 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. 939 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