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Cumberland 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.
Lenders reported 2,309 mortgage applications in Cumberland County, Tennessee, for 2024, and originated 1,211 loans worth $262m.
That is 43.0 originations per 1,000 households, against 56.9 for Tennessee and 48.0 nationally.
The county's denial rate was 26.8%, above the state rate of 22.6%. The median rate spread on originated loans was 0.4 percentage points and 15.9% of originations were 1.5 points or more above the average prime offer rate.
22 lenders reached 25 applications in the county; the most active by originations were Rocket Mortgage (128), Regions Bank (76) and VanDyk Mortgage Corporation (56).
Originations were up 5% on 2023.
Most active lenders
| # | Lender | Applications | Originations | Amount | Denial rate | Median spread |
|---|---|---|---|---|---|---|
| 1 | Rocket Mortgage | 175 | 128 | $25m | 18.1% | — |
| 2 | Regions Bank | 152 | 76 | $8.6m | 39.0% | — |
| 3 | VanDyk Mortgage Corporation | 88 | 56 | $14m | 8.2% | — |
| 4 | SmartBank | 72 | 54 | $10m | 18.6% | — |
| 5 | Firstbank | 86 | 50 | $7.8m | 22.8% | — |
| 6 | Mortgage Investors Group | 58 | 44 | $12m | 7.8% | — |
| 7 | CMG Mortgage Inc | 64 | 43 | $9.8m | 3.9% | — |
| 8 | United Wholesale Mortgage | 54 | 42 | $13m | 8.7% | — |
| 9 | Mortgage Research Center | 75 | 38 | $12m | 30.9% | — |
| 10 | Flagstar Bank NA | 38 | 31 | $6.6m | 11.4% | — |
| 11 | Das Acquisition Company, LLC | 32 | 27 | $6.5m | 0.0% | — |
| 12 | Pennymac Loan Services LLC | 45 | 22 | $5.3m | 28.1% | — |
| 13 | Vanderbilt Mortgage and Finance, Inc | 184 | 21 | $3.0m | 71.6% | — |
| 14 | Us Bank, N.A. | 49 | 20 | $2.1m | 50.0% | — |
| 15 | Freedom Mortgage Corporation | 39 | 18 | $5.8m | — | — |
| 16 | Navy Federal Credit Union | 32 | 17 | $4.7m | — | — |
| 17 | Mutual of Omaha Mortgage | 25 | 17 | $2.9m | — | — |
| 18 | 21st Mortgage | 69 | 16 | $2.1m | 59.1% | — |
| 19 | Discover Bank | 55 | 6 | $460k | 76.7% | — |
| 20 | Amerisave Mortgage Company | 37 | 6 | $650k | 82.4% | — |
| 21 | New Day Financial, LLC. | 30 | 6 | $2.3m | — | — |
| 22 | Credit Human Federal Credit Un | 25 | 0 | $0 | 80.0% | — |
Lenders with at least 25 applications in the county, by originations; up to 40 shown of 22. Denial rate is denials over decided applications in this county.
Compared with Tennessee and the nation
| Measure | This county | Tennessee | United States |
|---|---|---|---|
| Denial rate | 26.8% | 22.6% | 24.3% |
| Median rate spread, pp | 0.4 | 0.3 | 0.3 |
| Originations with spread of 1.5 pp or more | 15.9% | 14.7% | 15.6% |
| Average originated loan | $216k | $302k | $329k |
| Originations per 1,000 households | 43.0 | 56.9 | 48.0 |
| Home purchase share of originations | 52.4% | 55.5% | 57.0% |
| FHA-insured share | 14.9% | 15.5% | 13.4% |
| VA-guaranteed share | 15.1% | 10.0% | 7.9% |
Rate spread distribution
Share of 1,123 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 52% (634)Home improvement 6% (74)Refinancing 12% (146)Cash-out refinancing 17% (210)Other purpose 12% (147)
By type
Conventional 68% (829)FHA 15% (181)VA 15% (183)USDA 1% (18)
Trend by year
ApplicationsOriginations
This countyTennessee
Questions and answers
Which lenders are most active in Cumberland County, TN?
By 2024 originations: Rocket Mortgage (128), Regions Bank (76), VanDyk Mortgage Corporation (56), SmartBank (54), Firstbank (50). 22 lenders had at least 25 applications in the county.
What is the mortgage denial rate in Cumberland County?
26.8% of decided applications were denied in 2024, against 22.6% across Tennessee and 24.3% nationally.
How many mortgages were originated in Cumberland County in 2024?
1,211 loans totalling $262m, from 2,309 applications; 43.0 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 47035; 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.