Lenders › Home Federal Bank of Tennessee › Tennessee
Home Federal Bank of Tennessee in Tennessee
HMDA record for properties in Tennessee, calendar year 2024. National record · Tennessee overview
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.
In Tennessee, Home Federal Bank of Tennessee reported 822 applications and 674 originations for 2024, $189m in all.
Its denial rate in the state was 9.5%, below the Tennessee rate of 22.6% across all lenders and compared with the lender's national rate of 9.5%.
The median rate spread on its Tennessee originations was -0.3 percentage points (state median 0.3).
Applications in the state were about level with 2023.
Compared with the state and the lender's national record
| Measure | In Tennessee | Tennessee, all lenders | Home Federal Bank of Tennessee, all states | United States |
|---|---|---|---|---|
| Denial rate | 9.5% | 22.6% | 9.5% | 24.3% |
| Median rate spread, pp | -0.3 | 0.3 | -0.3 | 0.3 |
| Originations with spread of 1.5 pp or more | 0.2% | 14.7% | 0.2% | 15.6% |
| Average originated loan | $281k | $302k | $281k | $329k |
| Home purchase share | 55.0% | 55.5% | 55.0% | 57.0% |
| FHA-insured share | 0.0% | 15.5% | 0.0% | 13.4% |
| VA-guaranteed share | 0.1% | 10.0% | 0.1% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateTennessee, all lenders
Loan purpose and loan type in Tennessee
By purpose
Home purchase 55% (371)Home improvement 22% (150)Refinancing 11% (76)Cash-out refinancing 1% (6)Other purpose 11% (71)
By type
Conventional 100% (673)VA 0% (1)
Denial reasons as coded
Share of 72 denials in Tennessee by first denial reason coded (outlined bar: all lenders in the state).
Counties in Tennessee
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Knox County | 565 | 465 | $123m | 8.7% |
| Blount County | 92 | 78 | $21m | 7.1% |
| Sevier County | 41 | 33 | $11m | 10.3% |
| Anderson County | 28 | 21 | $4.6m | 16.0% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Home Federal Bank of Tennessee originate in Tennessee in 2024?
674 loans totalling $189m, from 822 applications reported for properties in Tennessee.
What is Home Federal Bank of Tennessee's denial rate in Tennessee?
9.5% of decided applications in Tennessee were denied, against 22.6% for all lenders in the state and 9.5% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Tennessee counties does Home Federal Bank of Tennessee lend in most?
By originations: Knox County (465), Blount County (78), Sevier County (33), Anderson County (21).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Tennessee. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.