Tennessee · HMDA 2025
Mortgage lenders in Shelby County, TN
515 lenders reported 30,634 home-loan applications in Shelby County in 2025. 14,546 closed as loans ($4.4B), 5,613 were denied — a 26.5% denial rate on decided applications, above the Tennessee rate of 21.6%. The three most active lenders handled 14% of applications, led by Regions Bank. 17 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 30,634
- Loans originated
- 14,546
- Purchase / refinance
- 7,803 / 4,532
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Shelby County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Regions Bank 64 out of 100, Moderate | 1,591 | 5.2% | 43.1% |
| 2 | PENNYMAC LOAN SERVICES, LLC | 1,323 | 4.3% | — |
| 3 | Rocket Mortgage, LLC | 1,316 | 4.3% | — |
| 4 | Pinnacle Bank 60 out of 100, Moderate | 1,050 | 3.4% | 17.5% |
| 5 | UNITED SHORE FINANCIAL SERVICES, LLC | 957 | 3.1% | — |
| 6 | First Horizon Bank 64 out of 100, Moderate | 933 | 3.0% | 25.4% |
| 7 | NEWREZ LLC | 816 | 2.7% | — |
| 8 | Navy Federal Credit Union 66 out of 100, Moderate | 762 | 2.5% | 32.9% |
| 9 | Cadence Bank | 752 | 2.5% | — |
| 10 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 745 | 2.4% | 14.1% |
| 11 | COMMUNITY MORTGAGE CORPORATION | 694 | 2.3% | — |
| 12 | FREEDOM MORTGAGE CORPORATION | 635 | 2.1% | — |
| 13 | Bank of America, National Association 59 out of 100, Moderate | 571 | 1.9% | 44.7% |
| 14 | GUARANTEED RATE, INC. | 553 | 1.8% | — |
| 15 | AMERIHOME MORTGAGE COMPANY, LLC | 530 | 1.7% | — |
| 16 | Truist Bank 63 out of 100, Moderate | 481 | 1.6% | 40.8% |
| 17 | Bank of Bartlett 54 out of 100, Below average | 471 | 1.5% | 40.8% |
| 18 | CROSSCOUNTRY MORTGAGE, INC. | 461 | 1.5% | — |
| 19 | Mortgage Research Center, LLC | 460 | 1.5% | — |
| 20 | NATIONSTAR MORTGAGE LLC | 426 | 1.4% | — |
| 21 | Trustmark National Bank 62 out of 100, Moderate | 412 | 1.3% | 14.7% |
| 22 | Kiavi Funding, Inc. | 398 | 1.3% | — |
| 23 | AmeriSave Mortgage Corporation | 393 | 1.3% | — |
| 24 | Broker Solutions, Inc. | 372 | 1.2% | — |
| 25 | Patriot Bank 54 out of 100, Below average | 368 | 1.2% | 7.8% |
| 26 | Renasant Bank 64 out of 100, Moderate | 334 | 1.1% | 11.6% |
| 27 | Orion Federal Credit Union 72 out of 100, Strong | 329 | 1.1% | 4.8% |
| 28 | Citizens Bank, National Association 54 out of 100, Below average | 314 | 1.0% | 32.5% |
| 29 | First South Financial Federally Insured State-Chartered Credit Union | 313 | 1.0% | — |
| 30 | Leaders Credit Union 69 out of 100, Moderate | 297 | 1.0% | 18.6% |
| 31 | Coastal Community Bank 35 out of 100, Low | 294 | 1.0% | 3.0% |
| 32 | Simmons Bank 60 out of 100, Moderate | 251 | 0.8% | 26.5% |
| 33 | MORTGAGE INVESTORS GROUP, INC. | 239 | 0.8% | — |
| 34 | BARTLETT MORTGAGE, INC. | 225 | 0.7% | — |
| 35 | FIGURE LENDING LLC | 220 | 0.7% | — |
| 36 | CARRINGTON MORTGAGE SERVICES, LLC | 216 | 0.7% | — |
| 37 | Loandepot.Com, LLC | 214 | 0.7% | — |
| 38 | U.S. Bank National Association 55 out of 100, Moderate | 208 | 0.7% | 39.5% |
| 39 | PHH Mortgage Corporation | 203 | 0.7% | — |
| 40 | Evolve Bank & Trust | 192 | 0.6% | — |
Top 40 of 515 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
- 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
- Sevier County 6,948 apps