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Jefferson 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.
Jefferson County, Tennessee, saw 2,456 HMDA-reported applications and 1,348 originations ($331m) in 2024.
That is 61.8 originations per 1,000 households, against 56.9 for Tennessee and 48.0 nationally.
The county's denial rate was 25.9%, above the state rate of 22.6%. The median rate spread on originated loans was 0.4 percentage points and 16.5% of originations were 1.5 points or more above the average prime offer rate.
24 lenders reached 25 applications in the county; the most active by originations were Knoxville TVA Employees Credit Union (133), Rocket Mortgage (102) and Mortgage Investors Group (66).
Originations were about level with 2023.
Most active lenders
| # | Lender | Applications | Originations | Amount | Denial rate | Median spread |
|---|---|---|---|---|---|---|
| 1 | Knoxville TVA Employees Credit Union | 157 | 133 | $13m | 9.3% | — |
| 2 | Rocket Mortgage | 141 | 102 | $25m | 18.8% | — |
| 3 | Mortgage Investors Group | 101 | 66 | $18m | 5.3% | — |
| 4 | United Wholesale Mortgage | 80 | 66 | $20m | 13.2% | — |
| 5 | Firstbank | 107 | 62 | $14m | 27.8% | — |
| 6 | Vanderbilt Mortgage and Finance, Inc | 213 | 39 | $4.6m | 65.8% | — |
| 7 | Ornl Federal Credit Union | 49 | 32 | $10m | 11.6% | — |
| 8 | DHI Mortgage Company, LTD. | 37 | 31 | $7.9m | 3.1% | — |
| 9 | CMG Mortgage Inc | 40 | 30 | $8.2m | 2.9% | — |
| 10 | Stockton Mortgage Corporation | 42 | 25 | $6.0m | 7.4% | — |
| 11 | Mortgage Research Center | 58 | 24 | $6.0m | 36.8% | — |
| 12 | Regions Bank | 58 | 23 | $2.4m | 43.8% | — |
| 13 | Truist Bank | 55 | 23 | $2.8m | 48.9% | — |
| 14 | First Horizon Bank | 46 | 22 | $4.7m | 43.6% | — |
| 15 | Eastman Credit Union | 28 | 22 | $8.5m | — | — |
| 16 | Us Bank, N.A. | 45 | 20 | $3.0m | 44.4% | — |
| 17 | Freedom Mortgage Corporation | 36 | 18 | $6.0m | — | — |
| 18 | Movement Mortgage, LLC | 25 | 15 | $4.5m | — | — |
| 19 | New American Funding, LLC. | 26 | 13 | $3.2m | — | — |
| 20 | Crosscountry Mortgage, LLC | 25 | 12 | $3.4m | — | — |
| 21 | Pennymac Loan Services LLC | 28 | 10 | $2.5m | — | — |
| 22 | Amerisave Mortgage Company | 25 | 6 | $1.1m | — | — |
| 23 | 21st Mortgage | 65 | 4 | $670k | 90.5% | — |
| 24 | Discover Bank | 26 | 3 | $145k | — | — |
Lenders with at least 25 applications in the county, by originations; up to 40 shown of 24. Denial rate is denials over decided applications in this county.
Compared with Tennessee and the nation
| Measure | This county | Tennessee | United States |
|---|---|---|---|
| Denial rate | 25.9% | 22.6% | 24.3% |
| Median rate spread, pp | 0.4 | 0.3 | 0.3 |
| Originations with spread of 1.5 pp or more | 16.5% | 14.7% | 15.6% |
| Average originated loan | $245k | $302k | $329k |
| Originations per 1,000 households | 61.8 | 56.9 | 48.0 |
| Home purchase share of originations | 55.1% | 55.5% | 57.0% |
| FHA-insured share | 20.1% | 15.5% | 13.4% |
| VA-guaranteed share | 11.4% | 10.0% | 7.9% |
Rate spread distribution
Share of 1,231 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% (743)Home improvement 7% (100)Refinancing 9% (119)Cash-out refinancing 21% (286)Other purpose 7% (100)
By type
Conventional 66% (893)FHA 20% (271)VA 11% (153)USDA 2% (31)
Trend by year
ApplicationsOriginations
This countyTennessee
Questions and answers
Which lenders are most active in Jefferson County, TN?
By 2024 originations: Knoxville TVA Employees Credit Union (133), Rocket Mortgage (102), Mortgage Investors Group (66), United Wholesale Mortgage (66), Firstbank (62). 24 lenders had at least 25 applications in the county.
What is the mortgage denial rate in Jefferson County?
25.9% of decided applications were denied in 2024, against 22.6% across Tennessee and 24.3% nationally.
How many mortgages were originated in Jefferson County in 2024?
1,348 loans totalling $331m, from 2,456 applications; 61.8 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 47089; 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.