Tennessee · HMDA 2025
Mortgage lenders in Scott County, TN
125 lenders reported 925 home-loan applications in Scott County in 2025. 489 closed as loans ($89.6M), 161 were denied — a 23.3% denial rate on decided applications, above the Tennessee rate of 21.6%. The three most active lenders handled 35% of applications, led by The First National Bank of Oneida. 9 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 925
- Loans originated
- 489
- Purchase / refinance
- 226 / 196
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Scott County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | The First National Bank of Oneida | 143 | 15.5% | — |
| 2 | VANDERBILT MORTGAGE AND FINANCE, INC. | 103 | 11.1% | — |
| 3 | United Cumberland Bank 71 out of 100, Strong | 81 | 8.8% | 12.7% |
| 4 | Rocket Mortgage, LLC | 61 | 6.6% | — |
| 5 | 21st Mortgage Corporation | 30 | 3.2% | — |
| 6 | ORNL | 29 | 3.1% | — |
| 7 | Mortgage Research Center, LLC | 23 | 2.5% | — |
| 8 | MORTGAGE INVESTORS GROUP, INC. | 21 | 2.3% | — |
| 9 | AMERIHOME MORTGAGE COMPANY, LLC | 18 | 1.9% | — |
| 10 | Y-12 Federal Credit Union 70 out of 100, Strong | 18 | 1.9% | 34.4% |
| 11 | NEWREZ LLC | 17 | 1.8% | — |
| 12 | Broker Solutions, Inc. | 16 | 1.7% | — |
| 13 | PENNYMAC LOAN SERVICES, LLC | 16 | 1.7% | — |
| 14 | One Bank of Tennessee 79 out of 100, Strong | 16 | 1.7% | 3.9% |
| 15 | UNITED SHORE FINANCIAL SERVICES, LLC | 12 | 1.3% | — |
| 16 | FREEDOM MORTGAGE CORPORATION | 12 | 1.3% | — |
| 17 | FirstBank 59 out of 100, Moderate | 12 | 1.3% | 42.8% |
| 18 | Peoples Bank of the South | 11 | 1.2% | — |
| 19 | CROSSCOUNTRY MORTGAGE, INC. | 10 | 1.1% | — |
| 20 | CREDIT HUMAN FEDERAL CREDIT UNION 43 out of 100, Below average | 10 | 1.1% | 74.7% |
| 21 | MOVEMENT MORTGAGE, LLC | 9 | 1.0% | — |
| 22 | CMG MORTGAGE, INC. | 8 | 0.9% | — |
| 23 | KNOXVILLE TVA EMPLOYEES CREDIT UNION 73 out of 100, Strong | 8 | 0.9% | 5.1% |
| 24 | NATIONSTAR MORTGAGE LLC | 8 | 0.9% | — |
| 25 | CANOPY MORTGAGE, LLC | 8 | 0.9% | — |
| 26 | Loandepot.Com, LLC | 7 | 0.8% | — |
| 27 | Discover Bank | 7 | 0.8% | — |
| 28 | AmeriSave Mortgage Corporation | 7 | 0.8% | — |
| 29 | Sierra Pacific Mortgage Company, Inc. | 7 | 0.8% | — |
| 30 | AMERICAN FINANCIAL NETWORK, INC. | 7 | 0.8% | — |
| 31 | UNION HOME MORTGAGE CORP. | 7 | 0.8% | — |
| 32 | Navy Federal Credit Union 66 out of 100, Moderate | 5 | 0.5% | 32.9% |
| 33 | SOUTHWEST STAGE FUNDING, LLC | 5 | 0.5% | — |
| 34 | PLANET HOME LENDING, LLC | 5 | 0.5% | — |
| 35 | Farm Credit Mid-America | 5 | 0.5% | — |
| 36 | FIRST COMMUNITY MORTGAGE, INC. | 5 | 0.5% | — |
| 37 | VILLAGE CAPITAL & INVESTMENT LLC | 5 | 0.5% | — |
| 38 | SUCCESS MORTGAGE PARTNERS, INC. | 5 | 0.5% | — |
| 39 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 4 | 0.4% | 14.1% |
| 40 | Gateway First Bank 54 out of 100, Below average | 4 | 0.4% | 5.3% |
Top 40 of 125 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