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21st Mortgage 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.
21st Mortgage's 2024 HMDA record for Tennessee covers 3,863 applications, 674 of them originated, worth $87m.
Its denial rate in the state was 71.5%, above the Tennessee rate of 22.6% across all lenders and compared with the lender's national rate of 70.3%.
The median rate spread on its Tennessee originations was 3.5 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 | 21st Mortgage, all states | United States |
|---|---|---|---|---|
| Denial rate | 71.5% | 22.6% | 70.3% | 24.3% |
| Median rate spread, pp | 3.5 | 0.3 | 4.2 | 0.3 |
| Originations with spread of 1.5 pp or more | 97.9% | 14.7% | 99.0% | 15.6% |
| Average originated loan | $129k | $302k | $114k | $329k |
| Home purchase share | 98.4% | 55.5% | 98.4% | 57.0% |
| FHA-insured share | 0.0% | 15.5% | 0.0% | 13.4% |
| VA-guaranteed share | 0.0% | 10.0% | 0.0% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateTennessee, all lenders
Loan purpose and loan type in Tennessee
By purpose
Home purchase 98% (663)Home improvement 0% (2)Refinancing 1% (4)Cash-out refinancing 0% (1)Other purpose 1% (4)
By type
Conventional 100% (674)
Denial reasons as coded
Share of 1,832 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 | 346 | 46 | $3.7m | 80.3% |
| Sevier County | 230 | 24 | $2.5m | 84.7% |
| Blount County | 108 | 23 | $2.5m | 68.0% |
| Sullivan County | 93 | 19 | $2.2m | 69.7% |
| Greene County | 122 | 17 | $3.5m | 78.2% |
| Monroe County | 80 | 16 | $2.1m | 68.4% |
| Cumberland County | 69 | 16 | $2.1m | 59.1% |
| Washington County | 81 | 15 | $2.3m | 70.4% |
| Hawkins County | 68 | 14 | $1.9m | 62.5% |
| Henry County | 38 | 13 | $1.5m | 50.0% |
| Hamilton County | 81 | 12 | $1.7m | 78.6% |
| Macon County | 48 | 12 | $1.6m | 61.3% |
| Tipton County | 50 | 11 | $1.6m | 65.7% |
| Grundy County | 42 | 11 | $1.2m | 54.8% |
| Coffee County | 40 | 11 | $955k | 59.3% |
| Maury County | 27 | 11 | $1.3m | — |
| Warren County | 72 | 10 | $1.5m | 76.0% |
| Shelby County | 65 | 10 | $1.3m | 76.1% |
| Fayette County | 34 | 10 | $1.2m | — |
| Bradley County | 89 | 9 | $1.1m | 84.2% |
| Meigs County | 55 | 9 | $1.5m | 78.0% |
| Hamblen County | 54 | 9 | $1.1m | 78.0% |
| Roane County | 51 | 9 | $1.2m | 66.7% |
| Lawrence County | 42 | 9 | $1.3m | 52.0% |
| Lincoln County | 29 | 9 | $1.2m | — |
| Morgan County | 28 | 9 | $1.0m | — |
| Rutherford County | 92 | 8 | $870k | 86.6% |
| White County | 53 | 8 | $1.2m | 70.0% |
| McNairy County | 44 | 8 | $960k | — |
| Scott County | 34 | 8 | $720k | 69.2% |
| Obion County | 30 | 8 | $1.0m | — |
| Hickman County | 28 | 8 | $1.1m | — |
| Wilson County | 41 | 7 | $1.1m | 68.0% |
| Montgomery County | 33 | 7 | $945k | — |
| Wayne County | 29 | 7 | $965k | — |
| Franklin County | 27 | 7 | $755k | — |
| Dickson County | 27 | 7 | $1.4m | — |
| Benton County | 26 | 7 | $845k | — |
| Cocke County | 47 | 6 | $960k | 81.3% |
| Grainger County | 45 | 6 | $880k | 71.4% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did 21st Mortgage originate in Tennessee in 2024?
674 loans totalling $87m, from 3,863 applications reported for properties in Tennessee.
What is 21st Mortgage's denial rate in Tennessee?
71.5% of decided applications in Tennessee were denied, against 22.6% for all lenders in the state and 70.3% 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 21st Mortgage lend in most?
By originations: Knox County (46), Sevier County (24), Blount County (23), Sullivan County (19), Greene County (17).
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.