Groundwork

Market rankings · Tennessee

Mortgage brokers and lenders in Tennessee

Markets across Tennessee ranked by the Groundwork market score for mortgage brokers and lenders, with competitor counts and household spending for each.

Listings
1,124
350 chain locations (31%)
Official establishments
440
+7.1% since 2019
Household spending a year
$41.9B
On rent and homeowner costs
Listings per 10k households
4.0
7% below the U.S.
Housing spending per listing (U.S. = 100)
96
4% below the U.S.
Rank among states
#27 of 51
Market score 48 · Lower middle

A site report maps the mortgage brokers and lenders on map listings around any address in Tennessee by name and distance, and the spending within reach.

Free10 actions over 3 days, no card

Survey estimates 2020–2024 · population estimates 2025 · official business counts 2023 · map listings September 2026 · Data credits · How we measure

What this means

As of September 2026, map listings count 1,124 mortgage brokers and lenders in Tennessee. Chain locations make up 31% of them, against 21% across the U.S. That is 4.0 per 10,000 households, 7% below the U.S. rate of 4.3.

Household spending on rent and homeowner costs in Tennessee comes to about $41.9B a year: $14,833 per household, 11% below the U.S. average. Housing spending per office is 4% below the U.S. figure. That figure is all rent and homeowner costs, used as a measure of housing demand; it is not money mortgage brokers and lenders take in.

Official counts show 440 businesses with payroll classed as mortgage brokers and real estate lenders in Tennessee in 2023, up 7.1% from 2019. That is one for every 6,419 households, against one for every 4,897 across the U.S. Across the U.S., the count rose 9.5% over the same years. Since fiscal 2022, 2 SBA-backed loans worth $690K have gone to businesses classed as mortgage brokers and real estate lenders in Tennessee.

Among the 50 states and DC, Tennessee ranks #27 for mortgage brokers and lenders, with a Groundwork market score of 48 (lower middle). Of the 10 scored metro areas in or partly in Tennessee, the Jackson metro area scores highest (70). Of the 8 scored small-town markets in or partly in Tennessee, the Tullahoma-Manchester area scores highest (74).

Every market in Tennessee for mortgage brokers and lenders

Download the ranking (CSV)

Numbered by Groundwork market score among the markets based in Tennessee, highest first; the U.S. rank compares each market with every other of its kind. A metro area that crosses a state line is listed in each state it reaches, and numbered only in the state its page is under. How the score works.

Metro areas

Metro areas reaching Tennessee, ranked for mortgage brokers and lenders by Groundwork market score
MarketScoreListingsPer 10k householdsHousing spending per listing (U.S. = 100)Population growthU.S. rank
1Jackson, TN70111.5233+2.2%#33 of 373
2Morristown, TN6581.7213+7.9%#57 of 373
3Kingsport-Bristol, TN-VA63292.2159+2.3%#71 of 373
4Cleveland, TN63163.2114+6.1%#78 of 373
5Memphis, TN-MS-AR541492.8132−0.3%#151 of 373
6Clarksville, TN-KY48524.289+8.5%#201 of 373
7Chattanooga, TN-GA461024.487+5.3%#215 of 373
8Knoxville, TN451814.880+6.9%#224 of 373
9Nashville-Davidson–Murfreesboro–Franklin, TN404735.772+8.7%#270 of 373
10Johnson City, TN34485.465+4.3%#328 of 373

Small-town markets

Small-town markets reaching Tennessee, ranked for mortgage brokers and lenders by Groundwork market score
MarketScoreListingsPer 10k householdsHousing spending per listing (U.S. = 100)Population growthU.S. rank
1Tullahoma-Manchester, TN7451.9182+7.3%#14 of 177
2Shelbyville, TN7252.6144+9.7%#19 of 177
3Greeneville, TN7051.8195+5.0%#21 of 177
4Cookeville, TN66172.9120+7.6%#28 of 177
5Athens, TN6683.0118+8.2%#29 of 177
6Sevierville, TN57123.0122+2.5%#68 of 177
7Crossville, TN46145.070+8.0%#105 of 177
8Fayetteville, TN4574.777+4.3%#110 of 177
Lawrenceburg, TNNot scored31.8194+6.2%
Winchester, TNNot scored10.6630+6.4%
McMinnville, TNNot scored21.2277+6.5%
Newport, TNNot scored21.3253+5.1%
Dyersburg, TNNot scored32.0172−1.1%
Lewisburg, TNNot scored10.7514+10.5%
Martin, TNNot scored00.0n/a+1.1%
Paris, TNNot scored32.2150+2.3%
Union City, TNNot scored10.8422−2.3%

Counties

Counties in Tennessee, ranked for mortgage brokers and lenders by Groundwork market score
MarketScoreListingsPer 10k householdsHousing spending per listing (U.S. = 100)Population growthU.S. rank
1Robertson County, TN7851.8223+9.9%#44 of 887
2Bedford County, TN6552.6144+9.7%#169 of 887
3Blount County, TN65193.4114+6.0%#176 of 887
4Coffee County, TN6352.2162+7.4%#201 of 887
5Greene County, TN6251.8195+5.0%#214 of 887
6Loudon County, TN6293.7107+15.6%#225 of 887
7Wilson County, TN61254.2101+17.8%#235 of 887
8Madison County, TN60102.5142+2.0%#246 of 887
9Bradley County, TN58163.897+6.1%#285 of 887
10Tipton County, TN5752.2171+2.0%#286 of 887
11Putnam County, TN56103.0119+8.1%#313 of 887
12Hamblen County, TN5362.3151+6.7%#373 of 887
13Davidson County, TN531253.8105+4.2%#388 of 887
14Montgomery County, TN52404.683+13.0%#406 of 887
15Shelby County, TN511072.9127−2.1%#420 of 887
16McMinn County, TN5183.895+7.6%#428 of 887
17Dickson County, TN5194.194+7.7%#429 of 887
18Sullivan County, TN51273.992+3.5%#430 of 887
19Sevier County, TN50123.0122+2.5%#439 of 887
20Rutherford County, TN46876.760+12.6%#522 of 887
21Sumner County, TN43445.674+9.2%#573 of 887
22Cumberland County, TN42145.070+8.0%#596 of 887
23Hamilton County, TN37936.066+6.2%#681 of 887
24Lincoln County, TN3674.777+4.3%#695 of 887
25Knox County, TN351457.254+6.5%#716 of 887
Show all 95 counties
Counties in Tennessee, ranked for mortgage brokers and lenders by Groundwork market score, continued
MarketScoreListingsPer 10k householdsHousing spending per listing (U.S. = 100)Population growthU.S. rank
26Williamson County, TN3517118.527+9.0%#719 of 887
27Washington County, TN31457.946+6.0%#773 of 887
28White County, TN2776.254+7.9%#825 of 887
29Henderson County, TN2554.674+2.5%#837 of 887
Maury County, TNNot scored40.9408+16.0%
Anderson County, TNNot scored20.6610+6.1%
Hawkins County, TNNot scored00.0n/a+5.0%
Jefferson County, TNNot scored20.9399+9.3%
Carter County, TNNot scored31.2269+1.7%
Roane County, TNNot scored41.8214+7.0%
Gibson County, TNNot scored10.5723+2.7%
Monroe County, TNNot scored31.5224+7.2%
Lawrence County, TNNot scored31.8194+6.2%
Franklin County, TNNot scored10.6630+6.4%
Fayette County, TNNot scored00.0n/a+7.7%
Warren County, TNNot scored21.2277+6.5%
Cheatham County, TNNot scored10.6650+4.1%
Campbell County, TNNot scored21.2287+2.5%
Cocke County, TNNot scored21.3253+5.1%
Dyer County, TNNot scored32.0172−1.1%
Marshall County, TNNot scored10.7514+10.5%
Rhea County, TNNot scored32.2154+4.6%
Weakley County, TNNot scored00.0n/a+1.1%
Claiborne County, TNNot scored21.5229+3.6%
Henry County, TNNot scored32.2150+2.3%
Giles County, TNNot scored00.0n/a+3.6%
Obion County, TNNot scored10.8422−2.3%
Marion County, TNNot scored10.8420+3.2%
Carroll County, TNNot scored10.9391+2.7%
Hardin County, TNNot scored21.8183+3.8%
Macon County, TNNot scored22.1165+9.5%
McNairy County, TNNot scored11.0336+1.4%
Hickman County, TNNot scored00.0n/a+5.0%
Hardeman County, TNNot scored11.1295−0.6%
Lauderdale County, TNNot scored00.0n/a−2.0%
Grainger County, TNNot scored00.0n/a+9.2%
Overton County, TNNot scored00.0n/a+5.3%
Scott County, TNNot scored11.1275+3.6%
Morgan County, TNNot scored00.0n/a+5.3%
DeKalb County, TNNot scored00.0n/a+8.4%
Union County, TNNot scored00.0n/a+8.1%
Smith County, TNNot scored00.0n/a+5.1%
Fentress County, TNNot scored00.0n/a+9.7%
Humphreys County, TNNot scored00.0n/a+3.4%
Johnson County, TNNot scored34.182+4.1%
Polk County, TNNot scored00.0n/a+5.9%
Unicoi County, TNNot scored00.0n/a−0.1%
Chester County, TNNot scored00.0n/a+3.5%
Haywood County, TNNot scored22.8119−4.4%
Sequatchie County, TNNot scored00.0n/a+12.7%
Wayne County, TNNot scored00.0n/a+1.2%
Benton County, TNNot scored00.0n/a+2.1%
Bledsoe County, TNNot scored00.0n/a+6.5%
Cannon County, TNNot scored00.0n/a+5.0%
Stewart County, TNNot scored00.0n/a+5.3%
Crockett County, TNNot scored00.0n/a+0.7%
Grundy County, TNNot scored00.0n/a+4.3%
Meigs County, TNNot scored00.0n/a+10.8%
Lewis County, TNNot scored00.0n/a+7.0%
Jackson County, TNNot scored00.0n/a+7.1%
Trousdale County, TNNot scored00.0n/a+8.4%
Decatur County, TNNot scored00.0n/a+3.4%
Perry County, TNNot scored00.0n/a+8.9%
Houston County, TNNot scored00.0n/a+2.2%
Clay County, TNNot scored12.9108+3.1%
Hancock County, TNNot scored00.0n/a+6.7%
Moore County, TNNot scored00.0n/a+6.9%
Lake County, TNNot scored00.0n/a−10.6%
Van Buren County, TNNot scored00.0n/a+11.3%
Pickett County, TNNot scored00.0n/a+4.3%

Markets with fewer than 5 mortgage brokers and lenders on map listings, and counties under 10,000 people, aren’t scored; they’re listed last in each table.

Questions

How many mortgage brokers and lenders are in Tennessee?

Tennessee has 1,124 mortgage brokers and lenders on map listings as of September 2026. 350 of them (31%) are chain locations. The listings count mortgage brokers and mortgage lenders. Official counts show 440 businesses with payroll classed as mortgage brokers and real estate lenders in 2023, up 7.1% from 2019.

How much do households in Tennessee spend on rent and homeowner costs?

About $41.9B a year, or $14,833 per household. That is 11% below the U.S. average (an index of 89, where 100 is the U.S. average). For the 1,124 mortgage brokers and lenders on map listings, housing spending per office is 4% below the U.S. figure. The spending figure is all rent and homeowner costs, a measure of housing demand, not money mortgage brokers and lenders take in. It is estimated from the incomes of the 2,824,277 households in Tennessee and national spending patterns by income.

How does Tennessee compare with the U.S. for mortgage brokers and lenders?

Tennessee has 4.0 mortgage brokers and lenders per 10,000 households, 7% below the U.S. rate of 4.3. The index of housing spending per office is 96, where 100 is the U.S. At the national ratio of mortgage brokers and lenders to household spending, Tennessee would have about 1,074, against 1,124 on map listings. There is one business with payroll in the industry for every 6,419 households, against one for every 4,897 across the U.S. The official count rose 7.1% from 2019 to 2023, against +9.5% for the U.S.

Which market in Tennessee has the highest market score for mortgage brokers and lenders?

Among 10 scored metro areas in or partly in Tennessee, the Jackson metro area scores highest, at 70 (upper middle). Among 8 scored small-town markets in or partly in Tennessee, the Tullahoma-Manchester area scores highest, at 74 (upper middle). Among 29 scored counties in Tennessee, Robertson County scores highest, at 78 (high). Scores compare each market with others of its kind across the U.S.

What is the Groundwork market score?

The Groundwork market score runs from 0 to 100 and compares a market with others of its kind for one business type: states with states, metro areas with metro areas, small-town markets and counties with their own. It weighs household spending per competitor (35%), households per business with payroll (25%), population growth (20%) and spending power (20%), each ranked against those peers. A higher score means that, taken together, the market has more household spending and more households for each business already there, faster population growth and more spending per household than similar markets. It describes a market, not any one site or deal. Tennessee scores 48 for mortgage brokers and lenders (lower middle), #27 of the 50 states and DC.

How can I see the market around a specific site?

Run a Groundwork site report on an address in Tennessee. It maps the mortgage brokers and lenders on map listings near the site and sizes the households and spending within the distance you choose. New accounts get 10 actions over 3 days, no card.

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This product uses the Census Bureau Data API but is not endorsed or certified by the Census Bureau.

Figures are estimates for research only. Not investment or real estate advice.