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Houston 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.
Houston County, Tennessee, saw 394 HMDA-reported applications and 217 originations ($39m) in 2024.
That is 64.7 originations per 1,000 households, against 56.9 for Tennessee and 48.0 nationally.
The county's denial rate was 28.2%, above the state rate of 22.6%. The median rate spread on originated loans was 0.5 percentage points and 21.6% of originations were 1.5 points or more above the average prime offer rate.
3 lenders reached 25 applications in the county; the most active by originations were Traditions First Bank (40), Vanderbilt Mortgage and Finance, Inc (8) and Regions Bank (8).
Originations were up 7% on 2023.
Most active lenders
| # | Lender | Applications | Originations | Amount | Denial rate | Median spread |
|---|---|---|---|---|---|---|
| 1 | Traditions First Bank | 45 | 40 | $5.7m | 4.7% | — |
| 2 | Vanderbilt Mortgage and Finance, Inc | 34 | 8 | $1.1m | — | — |
| 3 | Regions Bank | 25 | 8 | $910k | — | — |
Lenders with at least 25 applications in the county, by originations; up to 40 shown of 3. Denial rate is denials over decided applications in this county.
Compared with Tennessee and the nation
| Measure | This county | Tennessee | United States |
|---|---|---|---|
| Denial rate | 28.2% | 22.6% | 24.3% |
| Median rate spread, pp | 0.5 | 0.3 | 0.3 |
| Originations with spread of 1.5 pp or more | 21.6% | 14.7% | 15.6% |
| Average originated loan | $181k | $302k | $329k |
| Originations per 1,000 households | 64.7 | 56.9 | 48.0 |
| Home purchase share of originations | 55.3% | 55.5% | 57.0% |
| FHA-insured share | 18.0% | 15.5% | 13.4% |
| VA-guaranteed share | 12.0% | 10.0% | 7.9% |
Rate spread distribution
Share of 162 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 55% (120)Home improvement 7% (16)Refinancing 17% (36)Cash-out refinancing 11% (24)Other purpose 10% (21)
By type
Conventional 66% (144)FHA 18% (39)VA 12% (26)USDA 4% (8)
Trend by year
ApplicationsOriginations
This countyTennessee
Questions and answers
Which lenders are most active in Houston County, TN?
By 2024 originations: Traditions First Bank (40), Vanderbilt Mortgage and Finance, Inc (8), Regions Bank (8). 3 lenders had at least 25 applications in the county.
What is the mortgage denial rate in Houston County?
28.2% of decided applications were denied in 2024, against 22.6% across Tennessee and 24.3% nationally.
How many mortgages were originated in Houston County in 2024?
217 loans totalling $39m, from 394 applications; 64.7 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 47083; households and population from the U.S. Census Bureau (ACS 2024 five-year estimates; Vintage 2024 population estimates). Built 1 Oct 2026; data through 1 Aug 2026. See methodology and corrections.