Tennessee · HMDA 2025
Mortgage lenders in Carter County, TN
180 lenders reported 2,151 home-loan applications in Carter County in 2025. 1,124 closed as loans ($223.7M), 353 were denied — a 22.8% denial rate on decided applications, above the Tennessee rate of 21.6%. The three most active lenders handled 29% of applications, led by EASTMAN CREDIT UNION. 10 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 2,151
- Loans originated
- 1,124
- Purchase / refinance
- 580 / 326
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Carter County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | EASTMAN CREDIT UNION 91 out of 100, Very strong | 344 | 16.0% | 26.9% |
| 2 | VANDERBILT MORTGAGE AND FINANCE, INC. | 160 | 7.4% | — |
| 3 | MOVEMENT MORTGAGE, LLC | 116 | 5.4% | — |
| 4 | Rocket Mortgage, LLC | 112 | 5.2% | — |
| 5 | Bank of Tennessee 67 out of 100, Moderate | 96 | 4.5% | 16.3% |
| 6 | UNITED SHORE FINANCIAL SERVICES, LLC | 93 | 4.3% | — |
| 7 | PENNYMAC LOAN SERVICES, LLC | 68 | 3.2% | — |
| 8 | Regions Bank 64 out of 100, Moderate | 54 | 2.5% | 43.1% |
| 9 | Elizabethton Federal Savings Bank | 43 | 2.0% | — |
| 10 | Northeast Community Credit Union 78 out of 100, Strong | 41 | 1.9% | 0.0% |
| 11 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 41 | 1.9% | — |
| 12 | FREEDOM MORTGAGE CORPORATION | 40 | 1.9% | — |
| 13 | Mortgage Research Center, LLC | 36 | 1.7% | — |
| 14 | Broker Solutions, Inc. | 33 | 1.5% | — |
| 15 | AmeriSave Mortgage Corporation | 27 | 1.3% | — |
| 16 | 21st Mortgage Corporation | 26 | 1.2% | — |
| 17 | FIGURE LENDING LLC | 24 | 1.1% | — |
| 18 | NEWREZ LLC | 23 | 1.1% | — |
| 19 | GVC MORTGAGE, INC. | 23 | 1.1% | — |
| 20 | Loandepot.Com, LLC | 22 | 1.0% | — |
| 21 | AMERIHOME MORTGAGE COMPANY, LLC | 22 | 1.0% | — |
| 22 | MORTGAGE INVESTORS GROUP, INC. | 20 | 0.9% | — |
| 23 | Coastal Community Bank 35 out of 100, Low | 20 | 0.9% | 3.0% |
| 24 | First Horizon Bank 64 out of 100, Moderate | 18 | 0.8% | 25.4% |
| 25 | Navy Federal Credit Union 66 out of 100, Moderate | 17 | 0.8% | 32.9% |
| 26 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 17 | 0.8% | 14.1% |
| 27 | Sierra Pacific Mortgage Company, Inc. | 17 | 0.8% | — |
| 28 | Citizens Bank 75 out of 100, Strong | 17 | 0.8% | 1.7% |
| 29 | Truist Bank 63 out of 100, Moderate | 16 | 0.7% | 40.8% |
| 30 | GUILD MORTGAGE COMPANY | 16 | 0.7% | — |
| 31 | NATIONSTAR MORTGAGE LLC | 16 | 0.7% | — |
| 32 | VILLAGE CAPITAL & INVESTMENT LLC | 16 | 0.7% | — |
| 33 | ROSS MORTGAGE CORPORATION | 14 | 0.7% | — |
| 34 | CROSSCOUNTRY MORTGAGE, INC. | 13 | 0.6% | — |
| 35 | NEW DAY FINANCIAL, LLC | 13 | 0.6% | — |
| 36 | CARRINGTON MORTGAGE SERVICES, LLC | 13 | 0.6% | — |
| 37 | STATE EMPLOYEES' | 12 | 0.6% | — |
| 38 | EVERETT FINANCIAL, INC. | 12 | 0.6% | — |
| 39 | SPRING EQ, LLC | 11 | 0.5% | — |
| 40 | PLANET HOME LENDING, LLC | 11 | 0.5% | — |
Top 40 of 180 lenders shown. Denial rates are each lender's nationwide figure for 2025, available for banks and credit unions we profile.
Other counties in Tennessee
- Davidson County 31,528 apps
- Shelby County 30,634 apps
- Knox County 24,708 apps
- Hamilton County 18,571 apps
- Rutherford County 18,122 apps
- Montgomery County 15,919 apps
- Williamson County 15,149 apps
- Sumner County 12,169 apps
- Wilson County 9,951 apps
- Blount County 7,849 apps
- Sullivan County 7,811 apps
- Maury County 6,960 apps