Mortgage Approval and Denial Rates in Tennessee (2025 HMDA)
Mortgage denial rates in Tennessee: lenders acted on 301,626 mortgage applications in Tennessee in 2025 and denied 17.0% of them, down from 18.1% in 2024. The national denial rate was 17.7%.
Applications acted on
301,626
Loans originated
175,419
Denial rate
17.0%
Median loan
$225,000
Tennessee against the national picture
Most-reported denial reason in Tennessee: Debt-to-income ratio.
Counties ranked by denial rate
| County | Applications | Denial rate | Median loan |
|---|---|---|---|
| Hancock County | 182 | 29.1% | $165,000 |
| Lake County | 193 | 28.5% | $105,000 |
| Claiborne County | 1,267 | 26.8% | $155,000 |
| Haywood County | 507 | 25.6% | $145,000 |
| Cocke County | 1,263 | 25.5% | $175,000 |
| Perry County | 267 | 25.5% | $155,000 |
| Meigs County | 658 | 25.1% | $175,000 |
| Weakley County | 992 | 25.0% | $135,000 |
| Wayne County | 402 | 23.9% | $155,000 |
| Morgan County | 820 | 23.5% | $155,000 |
| Bledsoe County | 524 | 23.1% | $185,000 |
| Rhea County | 1,587 | 22.9% | $185,000 |
| Grainger County | 1,060 | 22.4% | $185,000 |
| Hardeman County | 697 | 22.4% | $135,000 |
| Grundy County | 600 | 22.3% | $165,000 |
| Cannon County | 617 | 21.9% | $215,000 |
| Houston County | 442 | 21.9% | $165,000 |
| Lauderdale County | 706 | 21.8% | $135,000 |
| Clay County | 254 | 21.7% | $165,000 |
| Monroe County | 2,231 | 21.4% | $195,000 |
| Stewart County | 821 | 21.4% | $185,000 |
| Decatur County | 444 | 21.4% | $145,000 |
| Benton County | 733 | 21.3% | $145,000 |
| McNairy County | 915 | 21.2% | $135,000 |
| Greene County | 3,250 | 20.9% | $175,000 |
| Lewis County | 545 | 20.9% | $205,000 |
| Shelby County | 26,945 | 20.8% | $165,000 |
| Sequatchie County | 812 | 20.8% | $205,000 |
| McMinn County | 2,496 | 20.6% | $185,000 |
| Gibson County | 2,092 | 20.6% | $145,000 |
| Hawkins County | 2,353 | 20.4% | $165,000 |
| Campbell County | 1,893 | 20.4% | $165,000 |
| Humphreys County | 915 | 20.1% | $175,000 |
| Henderson County | 1,022 | 20.0% | $150,000 |
| Warren County | 1,595 | 19.9% | $195,000 |
| Dyer County | 1,265 | 19.6% | $135,000 |
| Union County | 1,051 | 19.6% | $195,000 |
| Polk County | 731 | 19.6% | $175,000 |
| Unicoi County | 621 | 19.5% | $185,000 |
| Pickett County | 159 | 19.5% | $215,000 |
| Carroll County | 1,191 | 19.1% | $125,000 |
| Madison County | 3,765 | 19.0% | $165,000 |
| Jefferson County | 2,910 | 18.9% | $215,000 |
| Scott County | 867 | 18.6% | $135,000 |
| Johnson County | 550 | 18.5% | $175,000 |
| Obion County | 999 | 18.4% | $125,000 |
| Chester County | 688 | 18.3% | $155,000 |
| Bradley County | 4,681 | 18.2% | $205,000 |
| White County | 1,267 | 18.2% | $195,000 |
| Hickman County | 1,137 | 18.2% | $205,000 |
| Overton County | 823 | 18.2% | $185,000 |
| Jackson County | 494 | 18.2% | $155,000 |
| Sevier County | 6,216 | 18.0% | $295,000 |
| Cheatham County | 2,202 | 18.0% | $255,000 |
| Carter County | 1,991 | 17.7% | $165,000 |
| Marion County | 1,302 | 17.7% | $195,000 |
| Fayette County | 2,169 | 17.6% | $255,000 |
| Anderson County | 3,686 | 17.4% | $205,000 |
| Tipton County | 2,433 | 17.4% | $195,000 |
| Henry County | 1,361 | 17.4% | $145,000 |
| DeKalb County | 1,062 | 17.4% | $225,000 |
| Hamblen County | 2,778 | 17.1% | $195,000 |
| Van Buren County | 328 | 17.1% | $165,000 |
| Sullivan County | 7,179 | 17.0% | $175,000 |
| Bedford County | 2,131 | 17.0% | $235,000 |
| Crockett County | 503 | 16.9% | $145,000 |
| Roane County | 3,000 | 16.6% | $205,000 |
| Giles County | 1,262 | 16.6% | $185,000 |
| Davidson County | 27,960 | 16.4% | $305,000 |
| Blount County | 7,097 | 16.4% | $235,000 |
| Cumberland County | 2,656 | 16.4% | $185,000 |
| Lawrence County | 1,633 | 16.4% | $195,000 |
| Coffee County | 2,508 | 16.3% | $215,000 |
| Hardin County | 833 | 16.3% | $175,000 |
| Hamilton County | 16,555 | 16.2% | $235,000 |
| Rutherford County | 15,744 | 16.0% | $285,000 |
| Dickson County | 2,859 | 15.9% | $245,000 |
| Washington County | 5,682 | 15.6% | $205,000 |
| Fentress County | 871 | 15.5% | $175,000 |
| Lincoln County | 1,488 | 15.0% | $185,000 |
| Robertson County | 4,006 | 14.9% | $265,000 |
| Montgomery County | 13,794 | 14.8% | $265,000 |
| Macon County | 1,337 | 14.7% | $215,000 |
| Trousdale County | 516 | 14.7% | $265,000 |
| Marshall County | 1,961 | 14.6% | $235,000 |
| Franklin County | 1,885 | 14.6% | $215,000 |
| Knox County | 21,985 | 14.5% | $245,000 |
| Maury County | 5,990 | 14.5% | $275,000 |
| Moore County | 318 | 14.5% | $255,000 |
| Sumner County | 10,462 | 14.2% | $295,000 |
| Loudon County | 3,200 | 14.0% | $255,000 |
| Smith County | 926 | 13.9% | $235,000 |
| Williamson County | 13,230 | 13.8% | $445,000 |
| Wilson County | 8,388 | 13.7% | $315,000 |
| Putnam County | 2,840 | 13.4% | $225,000 |
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Reading these numbers
The denial rate counts applications the lender acted on, so withdrawn files do not inflate it. A high rate does not automatically mean strict lenders: counties with many first-time or lower-income applicants tend to show higher denial rates because of debt-to-income and credit-history thresholds, which are the two reasons lenders report most often. Median loan amount and median applicant income are computed from the same application records, so they describe who is applying — not who ends up buying.
Source: Consumer Financial Protection Bureau, HMDA Data Browser (2025 loan application register). Latest observation 2026-08-23.