Tennessee · HMDA 2025
Mortgage lenders in Johnson County, TN
108 lenders reported 579 home-loan applications in Johnson County in 2025. 295 closed as loans ($67.1M), 102 were denied — a 24.6% 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. 11 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 579
- Loans originated
- 295
- Purchase / refinance
- 129 / 109
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Johnson County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | EASTMAN CREDIT UNION 91 out of 100, Very strong | 57 | 9.8% | 26.9% |
| 2 | VANDERBILT MORTGAGE AND FINANCE, INC. | 55 | 9.5% | — |
| 3 | SKYLINE NATIONAL BANK 66 out of 100, Moderate | 54 | 9.3% | 5.7% |
| 4 | Rocket Mortgage, LLC | 48 | 8.3% | — |
| 5 | Mortgage Research Center, LLC | 25 | 4.3% | — |
| 6 | UNITED SHORE FINANCIAL SERVICES, LLC | 21 | 3.6% | — |
| 7 | NEWREZ LLC | 17 | 2.9% | — |
| 8 | PENNYMAC LOAN SERVICES, LLC | 17 | 2.9% | — |
| 9 | STATE EMPLOYEES' | 17 | 2.9% | — |
| 10 | Navy Federal Credit Union 66 out of 100, Moderate | 13 | 2.2% | 32.9% |
| 11 | FREEDOM MORTGAGE CORPORATION | 13 | 2.2% | — |
| 12 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 10 | 1.7% | — |
| 13 | Elizabethton Federal Savings Bank | 10 | 1.7% | — |
| 14 | 21st Mortgage Corporation | 9 | 1.6% | — |
| 15 | MOVEMENT MORTGAGE, LLC | 9 | 1.6% | — |
| 16 | Truist Bank 63 out of 100, Moderate | 8 | 1.4% | 40.8% |
| 17 | Loandepot.Com, LLC | 8 | 1.4% | — |
| 18 | Bank of America, National Association 59 out of 100, Moderate | 7 | 1.2% | 44.7% |
| 19 | ROSS MORTGAGE CORPORATION | 7 | 1.2% | — |
| 20 | Coastal Community Bank 35 out of 100, Low | 7 | 1.2% | 3.0% |
| 21 | CROSSCOUNTRY MORTGAGE, INC. | 6 | 1.0% | — |
| 22 | NATIONSTAR MORTGAGE LLC | 5 | 0.9% | — |
| 23 | NEW DAY FINANCIAL, LLC | 5 | 0.9% | — |
| 24 | Broker Solutions, Inc. | 4 | 0.7% | — |
| 25 | Regions Bank 64 out of 100, Moderate | 4 | 0.7% | 43.1% |
| 26 | AmeriSave Mortgage Corporation | 4 | 0.7% | — |
| 27 | U.S. Bank National Association 55 out of 100, Moderate | 4 | 0.7% | 39.5% |
| 28 | AMERIHOME MORTGAGE COMPANY, LLC | 4 | 0.7% | — |
| 29 | Bank of Tennessee 67 out of 100, Moderate | 4 | 0.7% | 16.3% |
| 30 | AMERICAN FINANCING CORPORATION | 4 | 0.7% | — |
| 31 | LOWER, LLC | 4 | 0.7% | — |
| 32 | United Community Bank 67 out of 100, Moderate | 4 | 0.7% | 25.4% |
| 33 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 3 | 0.5% | 14.1% |
| 34 | AMERICAN FINANCIAL RESOURCES, INC. | 3 | 0.5% | — |
| 35 | SUN WEST MORTGAGE COMPANY, INC. | 3 | 0.5% | — |
| 36 | LAKEVIEW LOAN SERVICING, LLC | 3 | 0.5% | — |
| 37 | VILLAGE CAPITAL & INVESTMENT LLC | 3 | 0.5% | — |
| 38 | MORTGAGE INVESTORS GROUP, INC. | 3 | 0.5% | — |
| 39 | PHH Mortgage Corporation | 3 | 0.5% | — |
| 40 | Waterstone Mortgage Corporation | 3 | 0.5% | — |
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