Tennessee · HMDA 2025
Mortgage lenders in Polk County, TN
133 lenders reported 808 home-loan applications in Polk County in 2025. 376 closed as loans ($85.6M), 143 were denied — a 25.7% denial rate on decided applications, above the Tennessee rate of 21.6%. The three most active lenders handled 17% of applications, led by VANDERBILT MORTGAGE AND FINANCE, INC.. 13 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 808
- Loans originated
- 376
- Purchase / refinance
- 169 / 140
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Polk County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | VANDERBILT MORTGAGE AND FINANCE, INC. | 56 | 6.9% | — |
| 2 | Rocket Mortgage, LLC | 47 | 5.8% | — |
| 3 | 21st Mortgage Corporation | 32 | 4.0% | — |
| 4 | PENNYMAC LOAN SERVICES, LLC | 28 | 3.5% | — |
| 5 | TENNESSEE VALLEY FCU | 26 | 3.2% | — |
| 6 | Builtwell Bank 73 out of 100, Strong | 25 | 3.1% | 20.5% |
| 7 | United Community Bank 67 out of 100, Moderate | 25 | 3.1% | 25.4% |
| 8 | Mortgage Research Center, LLC | 24 | 3.0% | — |
| 9 | CMG MORTGAGE, INC. | 20 | 2.5% | — |
| 10 | Citizens Bank, National Association 54 out of 100, Below average | 20 | 2.5% | 32.5% |
| 11 | UNITED SHORE FINANCIAL SERVICES, LLC | 19 | 2.4% | — |
| 12 | First Citizens National Bank | 19 | 2.4% | — |
| 13 | Regions Bank 64 out of 100, Moderate | 17 | 2.1% | 43.1% |
| 14 | NEWREZ LLC | 15 | 1.9% | — |
| 15 | FirstBank 59 out of 100, Moderate | 14 | 1.7% | 42.8% |
| 16 | UNION HOME MORTGAGE CORP. | 13 | 1.6% | — |
| 17 | Peoples Bank of East Tennessee 78 out of 100, Strong | 13 | 1.6% | 9.7% |
| 18 | FREEDOM MORTGAGE CORPORATION | 12 | 1.5% | — |
| 19 | Broker Solutions, Inc. | 11 | 1.4% | — |
| 20 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 10 | 1.2% | 14.1% |
| 21 | Truist Bank 63 out of 100, Moderate | 10 | 1.2% | 40.8% |
| 22 | Coastal Community Bank 35 out of 100, Low | 10 | 1.2% | 3.0% |
| 23 | Discover Bank | 9 | 1.1% | — |
| 24 | TRIAD FINANCIAL SERVICES, INC. | 9 | 1.1% | — |
| 25 | SOUTHWEST STAGE FUNDING, LLC | 9 | 1.1% | — |
| 26 | First Financial Bank, National Association 68 out of 100, Moderate | 9 | 1.1% | 28.8% |
| 27 | VILLAGE CAPITAL & INVESTMENT LLC | 9 | 1.1% | — |
| 28 | Cadence Bank | 9 | 1.1% | — |
| 29 | Bank of Cleveland | 9 | 1.1% | — |
| 30 | Navy Federal Credit Union 66 out of 100, Moderate | 8 | 1.0% | 32.9% |
| 31 | AmeriSave Mortgage Corporation | 8 | 1.0% | — |
| 32 | SPRING EQ, LLC | 8 | 1.0% | — |
| 33 | AMERIHOME MORTGAGE COMPANY, LLC | 8 | 1.0% | — |
| 34 | PLANET HOME LENDING, LLC | 8 | 1.0% | — |
| 35 | Old National Bank 59 out of 100, Moderate | 8 | 1.0% | 22.1% |
| 36 | NEW DAY FINANCIAL, LLC | 8 | 1.0% | — |
| 37 | Loandepot.Com, LLC | 7 | 0.9% | — |
| 38 | Bank of America, National Association 59 out of 100, Moderate | 7 | 0.9% | 44.7% |
| 39 | HOMEBRIDGE FINANCIAL SERVICES, INC. | 7 | 0.9% | — |
| 40 | MORTGAGE INVESTORS GROUP, INC. | 7 | 0.9% | — |
Top 40 of 133 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