Tennessee · HMDA 2025
Mortgage lenders in Houston County, TN
108 lenders reported 489 home-loan applications in Houston County in 2025. 237 closed as loans ($50.3M), 97 were denied — a 27.7% denial rate on decided applications, above the Tennessee rate of 21.6%. The three most active lenders handled 20% of applications, led by VANDERBILT MORTGAGE AND FINANCE, INC.. 13 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 489
- Loans originated
- 237
- Purchase / refinance
- 122 / 77
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Houston County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | VANDERBILT MORTGAGE AND FINANCE, INC. | 34 | 7.0% | — |
| 2 | Regions Bank 64 out of 100, Moderate | 32 | 6.5% | 43.1% |
| 3 | Rocket Mortgage, LLC | 32 | 6.5% | — |
| 4 | Traditions First Bank 70 out of 100, Strong | 29 | 5.9% | 14.4% |
| 5 | Mortgage Research Center, LLC | 27 | 5.5% | — |
| 6 | UNITED SHORE FINANCIAL SERVICES, LLC | 17 | 3.5% | — |
| 7 | NEWREZ LLC | 15 | 3.1% | — |
| 8 | 21st Mortgage Corporation | 13 | 2.7% | — |
| 9 | PENNYMAC LOAN SERVICES, LLC | 12 | 2.5% | — |
| 10 | FIRST COMMUNITY MORTGAGE, INC. | 11 | 2.2% | — |
| 11 | Broker Solutions, Inc. | 10 | 2.0% | — |
| 12 | GUARANTEED RATE, INC. | 10 | 2.0% | — |
| 13 | ALTRA Federal Credit Union 78 out of 100, Strong | 10 | 2.0% | 9.3% |
| 14 | FREEDOM MORTGAGE CORPORATION | 10 | 2.0% | — |
| 15 | CMG MORTGAGE, INC. | 9 | 1.8% | — |
| 16 | Navy Federal Credit Union 66 out of 100, Moderate | 9 | 1.8% | 32.9% |
| 17 | Fortera Federal Credit Union 78 out of 100, Strong | 9 | 1.8% | 27.6% |
| 18 | CROSSCOUNTRY MORTGAGE, INC. | 8 | 1.6% | — |
| 19 | AMERICAN FINANCIAL RESOURCES, INC. | 7 | 1.4% | — |
| 20 | Loandepot.Com, LLC | 6 | 1.2% | — |
| 21 | First Financial Bank, National Association 68 out of 100, Moderate | 6 | 1.2% | 28.8% |
| 22 | NATIONSTAR MORTGAGE LLC | 6 | 1.2% | — |
| 23 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 5 | 1.0% | 14.1% |
| 24 | First Federal Bank 71 out of 100, Strong | 5 | 1.0% | 10.0% |
| 25 | JOHNSONVILLE TVA EMPLOYEES CREDIT UNION 92 out of 100, Very strong | 5 | 1.0% | 58.1% |
| 26 | FirstBank 59 out of 100, Moderate | 5 | 1.0% | 42.8% |
| 27 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 5 | 1.0% | — |
| 28 | AmeriSave Mortgage Corporation | 4 | 0.8% | — |
| 29 | SPRING EQ, LLC | 4 | 0.8% | — |
| 30 | U.S. Bank National Association 55 out of 100, Moderate | 4 | 0.8% | 39.5% |
| 31 | AMERIHOME MORTGAGE COMPANY, LLC | 4 | 0.8% | — |
| 32 | Paramount Residential Mortgage Group, Inc. | 4 | 0.8% | — |
| 33 | AMERICAN FINANCING CORPORATION | 4 | 0.8% | — |
| 34 | CARRINGTON MORTGAGE SERVICES, LLC | 4 | 0.8% | — |
| 35 | Legends Bank 71 out of 100, Strong | 4 | 0.8% | 4.4% |
| 36 | F&M Bank | 4 | 0.8% | — |
| 37 | TRIAD FINANCIAL SERVICES, INC. | 3 | 0.6% | — |
| 38 | MidFirst Bank 34 out of 100, Low | 3 | 0.6% | 16.3% |
| 39 | Farm Credit Mid-America | 3 | 0.6% | — |
| 40 | CORNERSTONE FINANCIAL CREDIT UNION | 3 | 0.6% | — |
Top 40 of 108 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