Tennessee · HMDA 2025
Mortgage lenders in Madison County, TN
255 lenders reported 4,219 home-loan applications in Madison County in 2025. 2,167 closed as loans ($515.9M), 714 were denied — a 23.7% denial rate on decided applications, above the Tennessee rate of 21.6%. The three most active lenders handled 27% of applications, led by Leaders Credit Union. 14 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 4,219
- Loans originated
- 2,167
- Purchase / refinance
- 1,010 / 697
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Madison County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Leaders Credit Union 69 out of 100, Moderate | 662 | 15.7% | 18.6% |
| 2 | Regions Bank 64 out of 100, Moderate | 275 | 6.5% | 43.1% |
| 3 | Rocket Mortgage, LLC | 203 | 4.8% | — |
| 4 | Cadence Bank | 196 | 4.6% | — |
| 5 | PENNYMAC LOAN SERVICES, LLC | 185 | 4.4% | — |
| 6 | FirstBank 59 out of 100, Moderate | 129 | 3.1% | 42.8% |
| 7 | UNITED SHORE FINANCIAL SERVICES, LLC | 116 | 2.7% | — |
| 8 | NEWREZ LLC | 102 | 2.4% | — |
| 9 | AMERIHOME MORTGAGE COMPANY, LLC | 97 | 2.3% | — |
| 10 | FIRST COMMUNITY MORTGAGE, INC. | 97 | 2.3% | — |
| 11 | VANDERBILT MORTGAGE AND FINANCE, INC. | 94 | 2.2% | — |
| 12 | Simmons Bank 60 out of 100, Moderate | 90 | 2.1% | 26.5% |
| 13 | Commercial Bank & Trust Co. | 87 | 2.1% | — |
| 14 | MORTGAGE INVESTORS GROUP, INC. | 80 | 1.9% | — |
| 15 | Mortgage Research Center, LLC | 77 | 1.8% | — |
| 16 | FREEDOM MORTGAGE CORPORATION | 68 | 1.6% | — |
| 17 | 21st Mortgage Corporation | 62 | 1.5% | — |
| 18 | Centennial Bank 59 out of 100, Moderate | 60 | 1.4% | 6.7% |
| 19 | Community Bank 64 out of 100, Moderate | 52 | 1.2% | 6.8% |
| 20 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 48 | 1.1% | 14.1% |
| 21 | Citizens Bank, National Association 54 out of 100, Below average | 48 | 1.1% | 32.5% |
| 22 | PLANET HOME LENDING, LLC | 48 | 1.1% | — |
| 23 | NATIONSTAR MORTGAGE LLC | 48 | 1.1% | — |
| 24 | AmeriSave Mortgage Corporation | 47 | 1.1% | — |
| 25 | NEW DAY FINANCIAL, LLC | 43 | 1.0% | — |
| 26 | First Horizon Bank 64 out of 100, Moderate | 42 | 1.0% | 25.4% |
| 27 | PHH Mortgage Corporation | 40 | 0.9% | — |
| 28 | Navy Federal Credit Union 66 out of 100, Moderate | 39 | 0.9% | 32.9% |
| 29 | Decatur County Bank 59 out of 100, Moderate | 35 | 0.8% | 20.2% |
| 30 | DHI MORTGAGE COMPANY, LTD. | 34 | 0.8% | — |
| 31 | FIGURE LENDING LLC | 34 | 0.8% | — |
| 32 | Broker Solutions, Inc. | 33 | 0.8% | — |
| 33 | VILLAGE CAPITAL & INVESTMENT LLC | 31 | 0.7% | — |
| 34 | Coastal Community Bank 35 out of 100, Low | 31 | 0.7% | 3.0% |
| 35 | First South Financial Federally Insured State-Chartered Credit Union | 29 | 0.7% | — |
| 36 | SPRING EQ, LLC | 28 | 0.7% | — |
| 37 | MCKENZIE BANKING COMPANY 75 out of 100, Strong | 26 | 0.6% | 21.1% |
| 38 | First Citizens National Bank | 26 | 0.6% | — |
| 39 | CARRINGTON MORTGAGE SERVICES, LLC | 23 | 0.5% | — |
| 40 | Carroll Bank and Trust 52 out of 100, Below average | 22 | 0.5% | 2.0% |
Top 40 of 255 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