Tennessee · HMDA 2025
Mortgage lenders in Smith County, TN
159 lenders reported 1,041 home-loan applications in Smith County in 2025. 567 closed as loans ($144.7M), 129 were denied — a 17.5% denial rate on decided applications, below the Tennessee rate of 21.6%. The three most active lenders handled 21% of applications, led by CITIZENS BANK. 8 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 1,041
- Loans originated
- 567
- Purchase / refinance
- 276 / 201
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Smith County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | CITIZENS BANK | 87 | 8.4% | — |
| 2 | WILSON BANK AND TRUST 72 out of 100, Strong | 73 | 7.0% | 12.7% |
| 3 | Rocket Mortgage, LLC | 63 | 6.1% | — |
| 4 | UNITED SHORE FINANCIAL SERVICES, LLC | 51 | 4.9% | — |
| 5 | PENNYMAC LOAN SERVICES, LLC | 38 | 3.7% | — |
| 6 | Mortgage Research Center, LLC | 32 | 3.1% | — |
| 7 | FREEDOM MORTGAGE CORPORATION | 27 | 2.6% | — |
| 8 | Citizens Bank of Lafayette 60 out of 100, Moderate | 27 | 2.6% | 0.5% |
| 9 | NEWREZ LLC | 25 | 2.4% | — |
| 10 | SUCCESS MORTGAGE PARTNERS, INC. | 22 | 2.1% | — |
| 11 | INTERLINC MORTGAGE SERVICES, LLC | 19 | 1.8% | — |
| 12 | FirstBank 59 out of 100, Moderate | 19 | 1.8% | 42.8% |
| 13 | AMERIHOME MORTGAGE COMPANY, LLC | 18 | 1.7% | — |
| 14 | 21st Mortgage Corporation | 17 | 1.6% | — |
| 15 | AMERICAN PACIFIC MORTGAGE CORPORATION | 17 | 1.6% | — |
| 16 | Farm Credit Mid-America | 16 | 1.5% | — |
| 17 | AmeriSave Mortgage Corporation | 15 | 1.4% | — |
| 18 | UNION HOME MORTGAGE CORP. | 15 | 1.4% | — |
| 19 | CMG MORTGAGE, INC. | 14 | 1.3% | — |
| 20 | VANDERBILT MORTGAGE AND FINANCE, INC. | 14 | 1.3% | — |
| 21 | CROSSCOUNTRY MORTGAGE, INC. | 13 | 1.2% | — |
| 22 | PLANET HOME LENDING, LLC | 13 | 1.2% | — |
| 23 | NATIONSTAR MORTGAGE LLC | 13 | 1.2% | — |
| 24 | LAKEVIEW LOAN SERVICING, LLC | 13 | 1.2% | — |
| 25 | MORTGAGE INVESTORS GROUP, INC. | 11 | 1.1% | — |
| 26 | Primis Mortgage Company | 10 | 1.0% | — |
| 27 | MOVEMENT MORTGAGE, LLC | 9 | 0.9% | — |
| 28 | GUARANTEED RATE, INC. | 9 | 0.9% | — |
| 29 | ASCEND FEDERAL CREDIT UNION 83 out of 100, Strong | 9 | 0.9% | 22.1% |
| 30 | NEW DAY FINANCIAL, LLC | 9 | 0.9% | — |
| 31 | CARRINGTON MORTGAGE SERVICES, LLC | 9 | 0.9% | — |
| 32 | VILLAGE CAPITAL & INVESTMENT LLC | 9 | 0.9% | — |
| 33 | PHH Mortgage Corporation | 9 | 0.9% | — |
| 34 | Truist Bank 63 out of 100, Moderate | 8 | 0.8% | 40.8% |
| 35 | Loandepot.Com, LLC | 8 | 0.8% | — |
| 36 | Regions Bank 64 out of 100, Moderate | 8 | 0.8% | 43.1% |
| 37 | PRIMARY RESIDENTIAL MORTGAGE, INC. | 8 | 0.8% | — |
| 38 | The First National Bank of Middle Tennessee | 7 | 0.7% | — |
| 39 | Coastal Community Bank 35 out of 100, Low | 7 | 0.7% | 3.0% |
| 40 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 6 | 0.6% | 14.1% |
Top 40 of 159 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