Lender in Tennessee · HMDA 2025
Ornl mortgages in Tennessee
Ornl's 2025 home-purchase and refinance lending in Tennessee, compared with all lenders in the state.
Ornl originated 430 owner-occupied single-family loans in Tennessee from 696 completed applications.
Its median conventional purchase loan costs were $7,000 versus $5,320 for all Tennessee lenders, at a median 30-year fixed rate of 6.375% (Tennessee: 6.624%).
Loans in TN
430
of 696 applications
Denial rate
5.6%
Purchase · TN 7.7%
Rate spread
−0.10 pts
Conv. · TN +0.11 pts
Loan amount
$335,000
Purchase · TN $325,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 504 | 354 | 5.6% | 6.375% | −0.10 pts | $7,000 | $335,000 |
| Refinance | 54 | 22 | 24.1% | — | +0.07 pts | $4,960 | $225,000 |
| Cash-out refinance | 138 | 54 | 34.1% | 6.625% | +0.14 pts | $4,930 | $225,000 |
*Conventional loans only; medians with at least 20 loans.
Tennessee counties where Ornl ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Loudon County | 4 | 43 | 3.7% |
| Roane County | 5 | 31 | 3.2% |
| Union County | 5 | 13 | 4.3% |
| Anderson County | 6 | 37 | 3.0% |
| Knox County | 10 | 168 | 2.1% |
| Monroe County | 13 | 9 | 1.6% |
| Scott County | 13 | 5 | 1.8% |
| Jefferson County | 14 | 14 | 1.7% |
| Morgan County | 14 | 4 | 2.0% |
| Meigs County | 14 | 3 | 2.2% |
| Grainger County | 15 | 4 | 1.5% |
| Blount County | 16 | 40 | 1.6% |
| Hamblen County | 19 | 11 | 1.2% |
| Sevier County | 20 | 11 | 0.9% |
| Campbell County | 21 | 6 | 1.2% |
| Cocke County | 22 | 4 | 1.3% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology