Ornl mortgage approval rate & lending review
Ornl decided 3,093 mortgage applications and funded 2,237 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Ornl reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Ornl at a glance
Approval is 15.6 points above the 74.0% 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 | 97% | 1,066 / 1,098 | 74% | $345K | 791 |
| Home improvement loans | 91% | 903 / 987 | 88% | $105K | 792 |
| Cash-out refinance | 80% | 650 / 809 | 84% | $105K | 547 |
| Refinance | 67% | 62 / 93 | 61% | $235K | 38 |
| Investment property purchase | 94% | 59 / 63 | 80% | $265K | 47 |
Ornl lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Tennessee | 90% | $105K | 3,088 | 2,235 |
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 Ornl lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Knox County, TN | Mortgage lenders | 97% | 924 | 662 |
| Knox County, TN | Home improvement loans | 91% | 826 | 659 |
| Knox County, TN | Cash-out refinance | 81% | 648 | 439 |
| Blount County, TN | Home improvement loans | 94% | 154 | 129 |
| Blount County, TN | Mortgage lenders | 96% | 144 | 105 |
| Blount County, TN | Cash-out refinance | 79% | 149 | 102 |
| Knox County, TN | Investment property purchase | 96% | 48 | 36 |
| Knox County, TN | Refinance | 65% | 75 | 28 |
| Knox County, TN | Investment cash-out refinance | 86% | 21 | 13 |
The county markets where Ornl made the most loans. Each link opens that market with every lender ranked.
Questions about Ornl
What is Ornl's mortgage approval rate?
Ornl approved 89.6% of the 3,093 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 15.6 points above the 74.0% national rate for the same mix of loan types.
How often do borrowers take the loan Ornl offers?
Borrowers accepted 81% of the loans Ornl 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 Ornl make?
The typical home purchase mortgage loan Ornl made was $345K; across all loan types its typical loan ran from $105K to $345K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Ornl lend?
Ornl decided applications in 4 of the states Fat Boy Data covers, most of them in Tennessee, Florida and Alabama.
Can I apply to Ornl directly?
Yes. Ornl is a bank or credit union with 32 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Ornl'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 Ornl treats applications, then get a rate quote from the lender.