Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Hamilton County, Tennessee
Every institution that decided a 1–4 unit mortgage application in Hamilton County, home to Chattanooga, between 2023 and 2025: 31,768 applications, 24,281 loans actually funded, across 8 kinds of borrowing.
Hamilton County at a glance
31,768Applications decided
2023–2025
24,281Loans funded
76% of decisions
87Census tracts
24 ZIP codes
370,913People
ACS 2023
What the data shows
The typical purchase mortgage here is $315K.
Home improvement loans is the hardest money to get here: lenders approved 61% of 4,481 applications.
Lending by loan type in Hamilton County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 88.7% | 15,278 | $315K | 95% | 502 |
| Home improvement loans | 61.0% | 4,481 | $65K | 91% | 128 |
| Cash-out refinance | 70.9% | 4,755 | $165K | 95% | 227 |
| Refinance | 79.1% | 3,492 | $285K | 92% | 244 |
| Investment property purchase | 90.8% | 2,326 | $225K | 96% | 303 |
| Investment cash-out refinance | 79.0% | 542 | $185K | 96% | 130 |
| Investment refinance | 88.6% | 676 | $175K | 94% | 126 |
| Investment home improvement | 61.0% | 218 | $145K | 92% | 56 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.