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Campbell County, Tennessee
Mortgage lending record for properties in the county, calendar year 2024.
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
Campbell County, Tennessee, saw 1,700 HMDA-reported applications and 944 originations ($203m) in 2024.
That is 54.9 originations per 1,000 households, against 56.9 for Tennessee and 48.0 nationally.
The county's denial rate was 26.2%, above the state rate of 22.6%. The median rate spread on originated loans was 0.5 percentage points and 15.8% of originations were 1.5 points or more above the average prime offer rate.
14 lenders reached 25 applications in the county; the most active by originations were Peoples Bank of the South (90), Y 12 Federal Credit Union (83) and Community Trust Bank, Inc. (75).
Originations were about level with 2023.
Most active lenders
| # | Lender | Applications | Originations | Amount | Denial rate | Median spread |
|---|---|---|---|---|---|---|
| 1 | Peoples Bank of the South | 92 | 90 | $11m | 0.0% | — |
| 2 | Y 12 Federal Credit Union | 118 | 83 | $7.1m | 18.3% | — |
| 3 | Community Trust Bank, Inc. | 90 | 75 | $20m | 11.6% | — |
| 4 | Rocket Mortgage | 70 | 56 | $12m | 9.2% | — |
| 5 | Ornl Federal Credit Union | 91 | 40 | $7.8m | 20.5% | — |
| 6 | Mortgage Investors Group | 61 | 39 | $8.9m | 8.3% | — |
| 7 | Vanderbilt Mortgage and Finance, Inc | 183 | 32 | $4.4m | 67.5% | — |
| 8 | Builtwell Bank | 52 | 28 | $4.0m | 42.9% | — |
| 9 | United Wholesale Mortgage | 39 | 28 | $7.4m | 12.1% | — |
| 10 | Hearthside Bank Corporation | 35 | 22 | $7.7m | 23.3% | — |
| 11 | Mortgage Research Center | 25 | 14 | $3.6m | — | — |
| 12 | Firstbank | 38 | 10 | $2.4m | 44.4% | — |
| 13 | Discover Bank | 25 | 2 | $90k | — | — |
| 14 | Credit Human Federal Credit Un | 28 | 1 | $195k | 92.9% | — |
Lenders with at least 25 applications in the county, by originations; up to 40 shown of 14. Denial rate is denials over decided applications in this county.
Compared with Tennessee and the nation
| Measure | This county | Tennessee | United States |
|---|---|---|---|
| Denial rate | 26.2% | 22.6% | 24.3% |
| Median rate spread, pp | 0.5 | 0.3 | 0.3 |
| Originations with spread of 1.5 pp or more | 15.8% | 14.7% | 15.6% |
| Average originated loan | $215k | $302k | $329k |
| Originations per 1,000 households | 54.9 | 56.9 | 48.0 |
| Home purchase share of originations | 48.3% | 55.5% | 57.0% |
| FHA-insured share | 16.4% | 15.5% | 13.4% |
| VA-guaranteed share | 8.4% | 10.0% | 7.9% |
Rate spread distribution
Share of 727 originated loans with a reported rate spread, by spread over the average prime offer rate (outlined bar: Tennessee). Loans at 1.5 points or more on a first lien are what Regulation C calls higher-priced.
Loan purpose and loan type
By purpose
Home purchase 48% (456)Home improvement 8% (80)Refinancing 16% (154)Cash-out refinancing 17% (159)Other purpose 10% (95)
By type
Conventional 72% (678)FHA 16% (155)VA 8% (79)USDA 3% (32)
Trend by year
ApplicationsOriginations
This countyTennessee
Questions and answers
Which lenders are most active in Campbell County, TN?
By 2024 originations: Peoples Bank of the South (90), Y 12 Federal Credit Union (83), Community Trust Bank, Inc. (75), Rocket Mortgage (56), Ornl Federal Credit Union (40). 14 lenders had at least 25 applications in the county.
What is the mortgage denial rate in Campbell County?
26.2% of decided applications were denied in 2024, against 22.6% across Tennessee and 24.3% nationally.
How many mortgages were originated in Campbell County in 2024?
944 loans totalling $203m, from 1,700 applications; 54.9 originations per 1,000 households.
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), by property county; households from the Census Bureau American Community Survey 2024 five-year estimates.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records with a property in county FIPS 47013; households and population from the U.S. Census Bureau (ACS 2024 five-year estimates; Vintage 2024 population estimates). Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.