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Loudon 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 2,728 mortgage applications in Loudon County, Tennessee, for 2024, and originated 1,655 loans worth $523m.
That is 68.8 originations per 1,000 households, against 56.9 for Tennessee and 48.0 nationally.
The county's denial rate was 19.6%, below the state rate of 22.6%. The median rate spread on originated loans was 0.3 percentage points and 13.0% 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 Mortgage Investors Group (138), Ornl Federal Credit Union (104) and Rocket Mortgage (102).
Originations were up 5% on 2023.
Most active lenders
| # | Lender | Applications | Originations | Amount | Denial rate | Median spread |
|---|---|---|---|---|---|---|
| 1 | Mortgage Investors Group | 184 | 138 | $48m | 2.7% | — |
| 2 | Ornl Federal Credit Union | 174 | 104 | $34m | 11.4% | — |
| 3 | Rocket Mortgage | 132 | 102 | $28m | 17.6% | — |
| 4 | Knoxville TVA Employees Credit Union | 91 | 71 | $10m | 5.1% | — |
| 5 | United Community Bank | 112 | 66 | $17m | 31.4% | — |
| 6 | United Wholesale Mortgage | 84 | 59 | $23m | 14.1% | — |
| 7 | Y 12 Federal Credit Union | 83 | 57 | $12m | 18.9% | — |
| 8 | Regions Bank | 92 | 48 | $12m | 37.9% | — |
| 9 | Truist Bank | 85 | 45 | $8.7m | 35.1% | — |
| 10 | Vanderbilt Mortgage and Finance, Inc | 172 | 40 | $12m | 51.6% | — |
| 11 | SouthEast Bank | 47 | 36 | $10m | 8.7% | — |
| 12 | CMG Mortgage Inc | 40 | 28 | $9.0m | 0.0% | — |
| 13 | Fairway Independent Mort Corp | 40 | 26 | $11m | 7.1% | — |
| 14 | Movement Mortgage, LLC | 36 | 25 | $9.4m | 3.6% | — |
| 15 | Mortgage Research Center | 51 | 24 | $10m | 22.6% | — |
| 16 | Cardinal Financial Company, Li | 28 | 23 | $5.4m | 3.8% | — |
| 17 | Pennymac Loan Services LLC | 33 | 21 | $8.4m | — | — |
| 18 | Firstbank | 27 | 16 | $10m | 37.0% | — |
| 19 | Freedom Mortgage Corporation | 33 | 15 | $4.6m | — | — |
| 20 | Discover Bank | 45 | 7 | $665k | 77.1% | — |
| 21 | 21st Mortgage | 34 | 6 | $1.3m | — | — |
| 22 | Amerisave Mortgage Company | 26 | 3 | $445k | — | — |
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 | 19.6% | 22.6% | 24.3% |
| Median rate spread, pp | 0.3 | 0.3 | 0.3 |
| Originations with spread of 1.5 pp or more | 13.0% | 14.7% | 15.6% |
| Average originated loan | $316k | $302k | $329k |
| Originations per 1,000 households | 68.8 | 56.9 | 48.0 |
| Home purchase share of originations | 55.2% | 55.5% | 57.0% |
| FHA-insured share | 12.4% | 15.5% | 13.4% |
| VA-guaranteed share | 9.4% | 10.0% | 7.9% |
Rate spread distribution
Share of 1,539 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% (913)Home improvement 9% (155)Refinancing 10% (160)Cash-out refinancing 17% (284)Other purpose 9% (143)
By type
Conventional 77% (1,279)FHA 12% (205)VA 9% (155)USDA 1% (16)
Trend by year
ApplicationsOriginations
This countyTennessee
Questions and answers
Which lenders are most active in Loudon County, TN?
By 2024 originations: Mortgage Investors Group (138), Ornl Federal Credit Union (104), Rocket Mortgage (102), Knoxville TVA Employees Credit Union (71), United Community Bank (66). 22 lenders had at least 25 applications in the county.
What is the mortgage denial rate in Loudon County?
19.6% of decided applications were denied in 2024, against 22.6% across Tennessee and 24.3% nationally.
How many mortgages were originated in Loudon County in 2024?
1,655 loans totalling $523m, from 2,728 applications; 68.8 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 47105; 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.