Tennessee · HMDA 2025
Mortgage lenders in Cheatham County, TN
250 lenders reported 2,518 home-loan applications in Cheatham County in 2025. 1,295 closed as loans ($391.8M), 397 were denied — a 22.2% denial rate on decided applications, close to the Tennessee rate of 21.6%. The three most active lenders handled 14% of applications, led by UNITED SHORE FINANCIAL SERVICES, LLC. 16 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 2,518
- Loans originated
- 1,295
- Purchase / refinance
- 628 / 459
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Cheatham County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | UNITED SHORE FINANCIAL SERVICES, LLC | 134 | 5.3% | — |
| 2 | Rocket Mortgage, LLC | 119 | 4.7% | — |
| 3 | PENNYMAC LOAN SERVICES, LLC | 108 | 4.3% | — |
| 4 | U.S. Bank National Association 55 out of 100, Moderate | 107 | 4.2% | 39.5% |
| 5 | United Community Bank 67 out of 100, Moderate | 90 | 3.6% | 25.4% |
| 6 | NEWREZ LLC | 73 | 2.9% | — |
| 7 | Regions Bank 64 out of 100, Moderate | 65 | 2.6% | 43.1% |
| 8 | CMG MORTGAGE, INC. | 63 | 2.5% | — |
| 9 | Mortgage Research Center, LLC | 56 | 2.2% | — |
| 10 | INSPIRE HOME LOANS INC. | 56 | 2.2% | — |
| 11 | Pinnacle Bank 60 out of 100, Moderate | 51 | 2.0% | 17.5% |
| 12 | FREEDOM MORTGAGE CORPORATION | 49 | 1.9% | — |
| 13 | FirstBank 59 out of 100, Moderate | 49 | 1.9% | 42.8% |
| 14 | AMERIHOME MORTGAGE COMPANY, LLC | 46 | 1.8% | — |
| 15 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 44 | 1.7% | 14.1% |
| 16 | NATIONSTAR MORTGAGE LLC | 40 | 1.6% | — |
| 17 | Navy Federal Credit Union 66 out of 100, Moderate | 39 | 1.5% | 32.9% |
| 18 | First Financial Bank, National Association 68 out of 100, Moderate | 38 | 1.5% | 28.8% |
| 19 | VANDERBILT MORTGAGE AND FINANCE, INC. | 33 | 1.3% | — |
| 20 | Truist Bank 63 out of 100, Moderate | 31 | 1.2% | 40.8% |
| 21 | Broker Solutions, Inc. | 31 | 1.2% | — |
| 22 | CROSSCOUNTRY MORTGAGE, INC. | 29 | 1.2% | — |
| 23 | FIRST COMMUNITY MORTGAGE, INC. | 28 | 1.1% | — |
| 24 | GUARANTEED RATE, INC. | 27 | 1.1% | — |
| 25 | AmeriSave Mortgage Corporation | 25 | 1.0% | — |
| 26 | Bank of America, National Association 59 out of 100, Moderate | 25 | 1.0% | 44.7% |
| 27 | SPRING EQ, LLC | 25 | 1.0% | — |
| 28 | Old National Bank 59 out of 100, Moderate | 25 | 1.0% | 22.1% |
| 29 | FIGURE LENDING LLC | 24 | 1.0% | — |
| 30 | Coastal Community Bank 35 out of 100, Low | 24 | 1.0% | 3.0% |
| 31 | VILLAGE CAPITAL & INVESTMENT LLC | 23 | 0.9% | — |
| 32 | ASCEND FEDERAL CREDIT UNION 83 out of 100, Strong | 22 | 0.9% | 22.1% |
| 33 | Fifth Third Bank, National Association 62 out of 100, Moderate | 22 | 0.9% | 34.0% |
| 34 | Citizens Bank, National Association 54 out of 100, Below average | 21 | 0.8% | 32.5% |
| 35 | MUTUAL OF OMAHA MORTGAGE, INC. | 21 | 0.8% | — |
| 36 | Discover Bank | 20 | 0.8% | — |
| 37 | Fortera Federal Credit Union 78 out of 100, Strong | 20 | 0.8% | 27.6% |
| 38 | Legacy Home Loans, LLC | 20 | 0.8% | — |
| 39 | LAKEVIEW LOAN SERVICING, LLC | 19 | 0.8% | — |
| 40 | F&M Bank | 19 | 0.8% | — |
Top 40 of 250 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