HMDA Annual Reporting

The following reports provide an overview of residential mortgage lending patterns in Tennessee using the Home Mortgage Disclosure Act (HMDA) data, which is a very comprehensive data source on mortgage applications during the calendar year. They will be updated annually as the data become available.

2017 HMDA Report

In 2017, mortgage activity (all applications; regardless of outcome; including home purchase, refinancing and home improvement) in Tennessee showed signs of slowing, similar to national trends. Nearly 330,000 applications for home purchase, refinancing and home improvement loans in Tennessee led to 164,577 loan originations, which represented a six percent decrease from 2016. In the nation, the total number of originated loans of all types and purposes declined by 12 percent.

[June 2019]

2016 HMDA Report

This report provides an overview of mortgage market activity and lending patterns in Tennessee using the Home Mortgage Disclosure Act (HMDA) data from 2007 through 2016 and compares different demographic groups and lender types. Total loan applications in 2016 were 15 percent higher and mortgage originations were 12 percent higher than in 2015. While volume increased, both loan applications and loan originations remained lower than the 2007 peak levels.

[April 2018]

2015 HMDA Report

Fewer Applications, Falling Denial Rates
This report provides an overview of mortgage market activity and lending patterns in Tennessee using the Home Mortgage Disclosure Act (HMDA) data from 2005 until 2014 and compares different demographic groups and lender types.

[August 2016]

2014 HMDA Report

Tennessee HMDA Data 2004-2013
This report provides an overview of mortgage market activity and lending patterns in Tennessee using the Home Mortgage Disclosure Act (HMDA) data from 2004 until 2013 and compares different demographic groups and lender types.

[September 2015]