Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Bradley County, Tennessee
Every institution that decided a 1–4 unit mortgage application in Bradley County, home to Cleveland, between 2023 and 2025: 9,048 applications, 6,620 loans actually funded, across 8 kinds of borrowing.
Bradley County at a glance
9,048Applications decided
2023–2025
6,620Loans funded
73% of decisions
25Census tracts
5 ZIP codes
109,743People
ACS 2023
What the data shows
Lenders approved 81.1% of home-purchase applications in Bradley County, 7.7 points below the Tennessee rate.
The typical purchase mortgage here is $255K.
Lending by loan type in Bradley County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 81.1% | 4,717 | $255K | 95% | 268 |
| Home improvement loans | 63.1% | 1,034 | $75K | 91% | 74 |
| Cash-out refinance | 70.6% | 1,461 | $165K | 95% | 146 |
| Refinance | 79.2% | 1,015 | $255K | 93% | 123 |
| Investment property purchase | 90.1% | 487 | $185K | 94% | 119 |
| Investment cash-out refinance | 76.6% | 124 | $175K | 87% | 57 |
| Investment refinance | 91.9% | 160 | $115K | 93% | 42 |
| Investment home improvement | 60.0% | 50 | $105K | 90% | 30 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.