Home Federal Bank of Tennessee mortgage approval rate & lending review
Home Federal Bank of Tennessee decided 1,609 mortgage applications and funded 1,481 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Home Federal Bank of Tennessee reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Home Federal Bank of Tennessee at a glance
Approval is 15.4 points above the 78.1% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 98% | 792 / 811 | 98% | $345K | 780 |
| Home improvement loans | 86% | 417 / 484 | 98% | $65K | 409 |
| Refinance | 93% | 194 / 209 | 98% | $155K | 191 |
| Investment property purchase | 100% | 63 / 63 | 98% | $215K | 62 |
Home Federal Bank of Tennessee lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Tennessee | 94% | $345K | 1,605 | 1,477 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Home Federal Bank of Tennessee lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Knox County, TN | Mortgage lenders | 98% | 691 | 667 |
| Knox County, TN | Home improvement loans | 85% | 424 | 353 |
| Knox County, TN | Refinance | 93% | 193 | 176 |
| Blount County, TN | Mortgage lenders | 97% | 120 | 113 |
| Blount County, TN | Home improvement loans | 93% | 60 | 56 |
| Knox County, TN | Investment property purchase | 100% | 51 | 50 |
The county markets where Home Federal Bank of Tennessee made the most loans. Each link opens that market with every lender ranked.
Questions about Home Federal Bank of Tennessee
What is Home Federal Bank of Tennessee's mortgage approval rate?
Home Federal Bank of Tennessee approved 93.5% of the 1,609 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 15.4 points above the 78.1% national rate for the same mix of loan types.
How often do borrowers take the loan Home Federal Bank of Tennessee offers?
Borrowers accepted 98% of the loans Home Federal Bank of Tennessee approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Home Federal Bank of Tennessee make?
The typical home purchase mortgage loan Home Federal Bank of Tennessee made was $345K; across all loan types its typical loan ran from $65K to $345K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Home Federal Bank of Tennessee lend?
Home Federal Bank of Tennessee decided applications in 3 of the states Fat Boy Data covers, most of them in Tennessee, Georgia and Alabama.
Can I apply to Home Federal Bank of Tennessee directly?
Yes. Home Federal Bank of Tennessee is a bank or credit union with 23 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Home Federal Bank of Tennessee's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Home Federal Bank of Tennessee treats applications, then get a rate quote from the lender.