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McMinn 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.
McMinn County, Tennessee, saw 2,343 HMDA-reported applications and 1,211 originations ($248m) in 2024.
That is 57.1 originations per 1,000 households, against 56.9 for Tennessee and 48.0 nationally.
The county's denial rate was 29.9%, above the state rate of 22.6%. The median rate spread on originated loans was 0.4 percentage points and 15.7% of originations were 1.5 points or more above the average prime offer rate.
25 lenders reached 25 applications in the county; the most active by originations were United Wholesale Mortgage (100), Rocket Mortgage (87) and Old National Bank (67).
Originations were up 5% on 2023.
Most active lenders
| # | Lender | Applications | Originations | Amount | Denial rate | Median spread |
|---|---|---|---|---|---|---|
| 1 | United Wholesale Mortgage | 132 | 100 | $25m | 9.8% | — |
| 2 | Rocket Mortgage | 132 | 87 | $17m | 25.8% | — |
| 3 | Old National Bank | 100 | 67 | $14m | 24.7% | — |
| 4 | Mortgage Investors Group | 87 | 60 | $14m | 10.0% | — |
| 5 | DHI Mortgage Company, LTD. | 62 | 43 | $10m | 10.4% | — |
| 6 | Tennessee Valley Federal C U | 68 | 40 | $5.1m | 28.6% | — |
| 7 | Regions Bank | 71 | 37 | $3.0m | 37.9% | — |
| 8 | Mortgage Research Center | 52 | 29 | $9.1m | 21.6% | — |
| 9 | CMG Mortgage Inc | 37 | 28 | $7.6m | 6.1% | — |
| 10 | Vanderbilt Mortgage and Finance, Inc | 216 | 27 | $4.3m | 76.2% | — |
| 11 | Simmons Bank | 46 | 27 | $3.4m | 36.4% | — |
| 12 | First Community Mortgage | 31 | 26 | $4.8m | 9.7% | — |
| 13 | SouthEast Bank | 32 | 22 | $3.7m | 14.8% | — |
| 14 | Freedom Mortgage Corporation | 42 | 21 | $4.9m | 0.0% | — |
| 15 | American Pacific Mortgage Corporation | 28 | 19 | $4.2m | — | — |
| 16 | CapStar Bank | 26 | 19 | $2.9m | — | — |
| 17 | Pennymac Loan Services LLC | 31 | 17 | $4.6m | — | — |
| 18 | Truist Bank | 30 | 15 | $1.6m | 38.5% | — |
| 19 | Newrez LLC | 33 | 14 | $2.6m | — | — |
| 20 | Bowater Employees Credit Union | 27 | 14 | $2.0m | 20.0% | — |
| 21 | New American Funding, LLC. | 30 | 12 | $3.0m | — | — |
| 22 | Amerisave Mortgage Company | 43 | 9 | $875k | 78.0% | — |
| 23 | Firstbank | 43 | 6 | $1.7m | 73.2% | — |
| 24 | Discover Bank | 39 | 5 | $325k | 83.3% | — |
| 25 | 21st Mortgage | 75 | 4 | $720k | 88.1% | — |
Lenders with at least 25 applications in the county, by originations; up to 40 shown of 25. Denial rate is denials over decided applications in this county.
Compared with Tennessee and the nation
| Measure | This county | Tennessee | United States |
|---|---|---|---|
| Denial rate | 29.9% | 22.6% | 24.3% |
| Median rate spread, pp | 0.4 | 0.3 | 0.3 |
| Originations with spread of 1.5 pp or more | 15.7% | 14.7% | 15.6% |
| Average originated loan | $205k | $302k | $329k |
| Originations per 1,000 households | 57.1 | 56.9 | 48.0 |
| Home purchase share of originations | 52.8% | 55.5% | 57.0% |
| FHA-insured share | 23.1% | 15.5% | 13.4% |
| VA-guaranteed share | 13.0% | 10.0% | 7.9% |
Rate spread distribution
Share of 1,098 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 53% (639)Home improvement 8% (94)Refinancing 13% (161)Cash-out refinancing 19% (229)Other purpose 7% (88)
By type
Conventional 61% (738)FHA 23% (280)VA 13% (157)USDA 3% (36)
Trend by year
ApplicationsOriginations
This countyTennessee
Questions and answers
Which lenders are most active in McMinn County, TN?
By 2024 originations: United Wholesale Mortgage (100), Rocket Mortgage (87), Old National Bank (67), Mortgage Investors Group (60), DHI Mortgage Company, LTD. (43). 25 lenders had at least 25 applications in the county.
What is the mortgage denial rate in McMinn County?
29.9% of decided applications were denied in 2024, against 22.6% across Tennessee and 24.3% nationally.
How many mortgages were originated in McMinn County in 2024?
1,211 loans totalling $248m, from 2,343 applications; 57.1 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 47107; 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.