ORNL
ORNL received 2,068 applications in 2025 and made 1,116 mortgages, in 44 counties across 7 states. The median rate its borrowers got was 7.250% on a median loan of $165,000. Of 1,762 decisions, 305 were denials — 17.3%, most often for credit history. 574 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 549300K6L4VXCXWN4205 |
|---|---|
| Applications received | 2,068 |
| Mortgages made | 1,116 |
| Denied | 305 |
| Approved, not taken up | 341 |
| Withdrawn or incomplete | 306 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.37 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 399 | 6.250% | $345,000 | 6.5% |
| Refinancing | 29 | 6.000% | $225,000 | 54.6% |
| Cash-out refinancing | 344 | 7.750% | $105,000 | 26.8% |
| Other purposes | 344 | 7.750% | $100,000 | 8.7% |
Where ORNL lends most
The 44 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Knox County, TN | 450 | 7.500% | 16.3% |
| Anderson County, TN | 111 | 7.750% | 17.6% |
| Blount County, TN | 105 | 7.500% | 13.9% |
| Roane County, TN | 84 | 7.000% | 16.4% |
| Loudon County, TN | 82 | 6.750% | 13.7% |
| Jefferson County, TN | 33 | 6.875% | 20.4% |
| Hamblen County, TN | 31 | 7.500% | 22.8% |
| Monroe County, TN | 29 | 7.500% | 23.6% |
| Campbell County, TN | 28 | 7.460% | 22.6% |
| Sevier County, TN | 26 | 6.938% | 23.2% |
| Union County, TN | 24 | 7.063% | 13.5% |
| Morgan County, TN | 15 | 7.750% | 8.7% |
| Scott County, TN | 14 | 6.625% | 20.8% |
| Grainger County, TN | 13 | 7.500% | 13.0% |
| McMinn County, TN | 13 | 6.740% | 5.0% |
| Cocke County, TN | 12 | 7.438% | 30.4% |
| Cumberland County, TN | 7 | Under 10 loans | 10.0% |
| Meigs County, TN | 7 | Under 10 loans | 27.3% |
| Claiborne County, TN | 5 | Under 10 loans | 45.5% |
| Rhea County, TN | 4 | Under 10 loans | 16.7% |
| Fentress County, TN | 3 | Under 10 loans | 0.0% |
| Washington County, TN | 3 | Under 10 loans | 25.0% |
| Bradley County, TN | 2 | Under 10 loans | 0.0% |
| Greene County, TN | 2 | Under 10 loans | 33.3% |
| Hamilton County, TN | 2 | Under 10 loans | 0.0% |
| Lee County, FL | 1 | Under 10 loans | 0.0% |
| Talbot County, GA | 1 | Under 10 loans | 0.0% |
| Dickson County, TN | 1 | Under 10 loans | 0.0% |
| Hawkins County, TN | 1 | Under 10 loans | 0.0% |
| Henry County, TN | 1 | Under 10 loans | 0.0% |
| Lincoln County, TN | 1 | Under 10 loans | 0.0% |
| Maury County, TN | 1 | Under 10 loans | 0.0% |
| Polk County, TN | 1 | Under 10 loans | 0.0% |
| Sumner County, TN | 1 | Under 10 loans | 0.0% |
| White County, TN | 1 | Under 10 loans | 50.0% |
| Wilson County, TN | 1 | Under 10 loans | 0.0% |
| Santa Rosa County, FL | 0 | Under 10 loans | 100.0% |
| Polk County, GA | 0 | Under 10 loans | 100.0% |
| Bell County, KY | 0 | Under 10 loans | 0.0% |
| Davidson County, TN | 0 | Under 10 loans | 100.0% |
| Henderson County, TN | 0 | Under 10 loans | 100.0% |
| Montgomery County, TN | 0 | Under 10 loans | 100.0% |
| Shelby County, TN | 0 | Under 10 loans | Not published |
| Williamson County, TN | 0 | Under 10 loans | 0.0% |
Get told when this changes
When ORNL’s figures are published for the next year, or restated.
Double opt-in, one click to unsubscribe. We never sell or share the list, and we are not a lender, a broker or a lead generator: this is a notification about published data, not a sales call. Privacy.
Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.