Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Rutherford County, Tennessee
Every institution that decided a 1–4 unit mortgage application in Rutherford County, home to Murfreesboro, between 2023 and 2025: 31,741 applications, 24,772 loans actually funded, across 8 kinds of borrowing.
Rutherford County at a glance
31,741Applications decided
2023–2025
24,772Loans funded
78% of decisions
64Census tracts
12 ZIP codes
351,591People
ACS 2023
What the data shows
The typical purchase mortgage here is $365K.
Investment home improvement is the hardest money to get here: lenders approved 50% of 145 applications.
Lending by loan type in Rutherford County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 89.4% | 16,803 | $365K | 97% | 467 |
| Home improvement loans | 62.5% | 3,789 | $75K | 90% | 113 |
| Cash-out refinance | 73.3% | 5,569 | $185K | 95% | 246 |
| Refinance | 79.0% | 3,557 | $315K | 91% | 250 |
| Investment property purchase | 93.2% | 1,325 | $255K | 96% | 217 |
| Investment cash-out refinance | 72.5% | 265 | $205K | 92% | 104 |
| Investment refinance | 85.8% | 288 | $245K | 93% | 106 |
| Investment home improvement | 50.3% | 145 | $185K | 89% | 41 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.