Union County, TN Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Union County, TN distress report, 2026: 11 ZIPs scored in Union, TN, Union, TN average 19/100; the top Union, TN ZIP is 37938 at 26/100; Union, TN market phase neutral, Union, TN prices +3.8% year over year.
- Union, TN ranks #1,088 nationally (opportunity index); Union, TN #22 in Tennessee; Union, TN index 30.9.
- Union, TN: no CFPB county sample; Union, TN metro area reading 0.9%.
- Union, TN ZIP phases: 9 neutral, 2 peak.
- Union, TN residential listings tracked: 7 across 3 ZIPs; Union, TN candidate listings 6.
- Union, TN lenders on watch: 3; largest Union, TN footprint Commercial Bank (2 branches).
- Union, TN most distressed ZIP: 37938 at 26/100.
Union, TN figures: DLRadar distress index; Union, TN inputs: CFPB, FHFA, HUD, FDIC; Union, TN rebuilt as sources refresh.
| Rank | Union, TN ZIP | Score |
|---|---|---|
| 1 | 37938 | 26/100 |
| 2 | 37721 | 25/100 |
| 3 | 37754 | 23/100 |
| 4 | 37705 | 22/100 |
| 5 | 37848 | 18/100 |
| 6 | 37888 | 18/100 |
| 7 | 37825 | 16/100 |
| 8 | 37866 | 16/100 |
| 9 | 37870 | 16/100 |
| 10 | 37779 | 15/100 |
| 11 | 37807 | 15/100 |
Most distressed Union, TN ZIPs (0-100, 2026)
Mortgage delinquency around Union, TN
No CFPB county sample covers Union, TN; the metro area reading for Union, TN (Knoxville, TN): 0.9% ninety-plus; Union, TN area thirty-to-eighty-nine 2.2% (December 2025, Union, TN); Tennessee overall 0.9%.
Opportunity index: Union, TN
Union, TN index 30.9, Union, TN phase watchlist; Union, TN primary driver vacancy, Union, TN second driver bank institutional. Union, TN components: property stress 21.1, foreclosure pressure 22.1, listing discounts 31.0, bank stress 53.1, insurance 0.0; Union, TN pulse 34.2; Union, TN capital opportunity 26.0; Union, TN seven-day change -0.4%.
ZIP market phases inside Union, TN
11 Union, TN ZIPs carry a price-cycle phase; Union, TN ZIPs by phase (Union, TN), deepest drawdown first: neutral, +3.8% YoY (Union, TN): 37705, 37721, 37754, 37779, Union, TN 37807, 37848, 37866, 37888, Union, TN 37938; peak, +2.9% YoY (Union, TN): 37825; peak, +3.1% YoY (Union, TN): 37870.
Residential listings by Union, TN ZIP
Union, TN ZIPs with the most tracked Union, TN residential listings: 37807 5 listings, 4 candidates, bank pressure 58; 37866 2 listings, 2 candidates, bank pressure 55; 37779 0 listings, 0 candidates, bank pressure 58. Union, TN totals: 7 listings; Union, TN candidates 6; active ZIPs 0.
Lenders with branches in Union, TN
Union, TN lenders by branch count: Commercial Bank (Union, TN): stress 50, 2 branches low in Union, TN; First Century Bank (Union, TN): stress 60, 1 branch low in Union, TN; Firstbank (Union, TN): stress 55, 1 branch low in Union, TN.
Vacancy and permits, Union, TN
1,900 of 9,831 Union, TN housing units are vacant; Union, TN permits, twelve months: 0 multifamily units in Union, TN, 120 one-to-four unit units.
Work Union, TN at the parcel level
Every Union, TN parcel carries owner and address; every Union, TN parcel carries APN; Union, TN distress scores sit on the Union, TN live board.
Union, TN figures refresh with each source.
Union, TN questions
Most distressed ZIP code in Union County, TN?
ZIP 37938 leads Union, TN at 26/100; next in Union, TN: 37721 at 25/100; the Union, TN average is 19/100.
Where does Union County, TN rank for investment opportunity?
Union, TN is #1,088 among all ranked counties, #22 in Tennessee; the Union, TN driver is vacancy; Union, TN moved up 111 places.
How many mortgages are delinquent in Union County, TN?
Union, TN takes the metro area reading of 0.9% for December 2025; no CFPB county sample covers Union, TN.
Which banks lend in Union County, TN?
3 watched lenders hold Union, TN branches; the largest Union, TN footprints are Commercial Bank (2), First Century Bank (1), Firstbank (1).
More on Union, TN
Union County, TN distress report: public-record figures for Union, TN; not legal advice for Union, TN; not tax or investment advice; verify every Union, TN record before acting.