Tennessee · HMDA 2025
Mortgage lenders in Morgan County, TN
134 lenders reported 884 home-loan applications in Morgan County in 2025. 389 closed as loans ($82.2M), 193 were denied — a 30.5% denial rate on decided applications, above the Tennessee rate of 21.6%. The three most active lenders handled 22% of applications, led by VANDERBILT MORTGAGE AND FINANCE, INC.. 11 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 884
- Loans originated
- 389
- Purchase / refinance
- 182 / 143
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Morgan County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | VANDERBILT MORTGAGE AND FINANCE, INC. | 100 | 11.3% | — |
| 2 | Rocket Mortgage, LLC | 53 | 6.0% | — |
| 3 | Y-12 Federal Credit Union 70 out of 100, Strong | 41 | 4.6% | 34.4% |
| 4 | 21st Mortgage Corporation | 39 | 4.4% | — |
| 5 | One Bank of Tennessee 79 out of 100, Strong | 30 | 3.4% | 3.9% |
| 6 | ORNL | 28 | 3.2% | — |
| 7 | UNITED SHORE FINANCIAL SERVICES, LLC | 26 | 2.9% | — |
| 8 | Mortgage Research Center, LLC | 22 | 2.5% | — |
| 9 | PENNYMAC LOAN SERVICES, LLC | 20 | 2.3% | — |
| 10 | SmartBank 66 out of 100, Moderate | 19 | 2.1% | 12.9% |
| 11 | CREDIT HUMAN FEDERAL CREDIT UNION 43 out of 100, Below average | 19 | 2.1% | 74.7% |
| 12 | MORTGAGE INVESTORS GROUP, INC. | 19 | 2.1% | — |
| 13 | Regions Bank 64 out of 100, Moderate | 18 | 2.0% | 43.1% |
| 14 | NEWREZ LLC | 16 | 1.8% | — |
| 15 | KNOXVILLE TVA EMPLOYEES CREDIT UNION 73 out of 100, Strong | 16 | 1.8% | 5.1% |
| 16 | MOVEMENT MORTGAGE, LLC | 15 | 1.7% | — |
| 17 | SOUTHWEST STAGE FUNDING, LLC | 15 | 1.7% | — |
| 18 | FirstBank 59 out of 100, Moderate | 15 | 1.7% | 42.8% |
| 19 | AmeriSave Mortgage Corporation | 14 | 1.6% | — |
| 20 | Farm Credit Mid-America | 14 | 1.6% | — |
| 21 | Broker Solutions, Inc. | 13 | 1.5% | — |
| 22 | CROSSCOUNTRY MORTGAGE, INC. | 13 | 1.5% | — |
| 23 | AMERICAN FINANCIAL RESOURCES, INC. | 13 | 1.5% | — |
| 24 | PLANET HOME LENDING, LLC | 12 | 1.4% | — |
| 25 | ENRICHMENT | 12 | 1.4% | — |
| 26 | Truist Bank 63 out of 100, Moderate | 10 | 1.1% | 40.8% |
| 27 | TRIAD FINANCIAL SERVICES, INC. | 9 | 1.0% | — |
| 28 | Coastal Community Bank 35 out of 100, Low | 9 | 1.0% | 3.0% |
| 29 | The First National Bank of Oneida | 8 | 0.9% | — |
| 30 | FREEDOM MORTGAGE CORPORATION | 8 | 0.9% | — |
| 31 | STOCKTON MORTGAGE CORPORATION | 8 | 0.9% | — |
| 32 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 7 | 0.8% | 14.1% |
| 33 | Loandepot.Com, LLC | 7 | 0.8% | — |
| 34 | Gateway First Bank 54 out of 100, Below average | 7 | 0.8% | 5.3% |
| 35 | NATIONSTAR MORTGAGE LLC | 7 | 0.8% | — |
| 36 | FIRST COMMUNITY MORTGAGE, INC. | 7 | 0.8% | — |
| 37 | AMERIHOME MORTGAGE COMPANY, LLC | 6 | 0.7% | — |
| 38 | LAKEVIEW LOAN SERVICING, LLC | 6 | 0.7% | — |
| 39 | UNION HOME MORTGAGE CORP. | 6 | 0.7% | — |
| 40 | CANOPY MORTGAGE, LLC | 6 | 0.7% | — |
Top 40 of 134 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