Largest lenders in Anderson County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Y-12 Federal Credit Union | C | 259 | 145 | 31.7% | 7.25% |
| 2 | Mortgage Investors Group | B | 235 | 164 | 2.1% | 6.56% |
| 3 | Rocket Mortgage | C | 232 | 177 | 13.8% | 6.50% |
| 4 | Vanderbilt Mortgage and Finance | F | 221 | 28 | 46.6% | 9.63% |
| 5 | Ornl | C | 189 | 111 | 15.3% | 7.75% |
| 6 | Regions Bank | C | 127 | 64 | 33.1% | 4.99% |
| 7 | United Shore Financial Services | B | 127 | 103 | 8.7% | 6.12% |
| 8 | Mortgage Research Center | C | 83 | 44 | 9.6% | 6.13% |
| 9 | Dhi Mortgage Company | B | 83 | 56 | 10.8% | 6.19% |
| 10 | Freedom Mortgage | B | 74 | 37 | 9.5% | 6.25% |
| 11 | 21st Mortgage | F | 72 | 13 | 44.4% | 9.19% |
| 12 | Pennymac Loan Services | C | 61 | 37 | 8.2% | 6.00% |
| 13 | Knoxville Tva Employees Credit Union | A | 58 | 48 | 5.2% | 6.06% |
| 14 | FirstBank | C | 53 | 15 | 54.7% | 9.24% |
| 15 | Fairway Independent Mortgage | B | 50 | 39 | 0.0% | 6.63% |
| 16 | Broker Solutions | D | 49 | 23 | 6.1% | 7.00% |
| 17 | Navy Federal Credit Union | D | 46 | 16 | 13.0% | 7.38% |
| 18 | Enrichment | B | 43 | 31 | 0.0% | 6.13% |
| 19 | Movement Mortgage | A | 39 | 26 | 7.7% | 6.50% |
| 20 | Home Federal Bank of Tennessee | B | 39 | 29 | 15.4% | 5.99% |
| 21 | Truist Bank | C | 38 | 24 | 23.7% | 6.81% |
| 22 | U.S. Bank | D | 33 | 19 | 30.3% | 7.49% |
| 23 | Coastal Community Bank | C | 33 | 10 | 0.0% | 8.87% |
| 24 | AmeriSave Mortgage | D | 32 | 11 | 62.5% | 6.75% |
| 25 | Nationstar Mortgage | C | 32 | 23 | 12.5% | 7.38% |
Best approval odds in Anderson County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Mortgage Investors Group | 174 | 2.9% |
| 2 | Knoxville Tva Employees Credit Union | 54 | 5.6% |
| 3 | United Shore Financial Services | 114 | 9.7% |
| 4 | Dhi Mortgage Company | 65 | 13.9% |
| 5 | Freedom Mortgage | 50 | 14.0% |
| 6 | Rocket Mortgage | 216 | 14.8% |
| 7 | Mortgage Research Center | 52 | 15.4% |
| 8 | Ornl | 165 | 17.6% |
| 9 | Y-12 Federal Credit Union | 228 | 36.0% |
| 10 | Regions Bank | 115 | 36.5% |
What Anderson County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Anderson County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 3,098 | 1,750 | 19.1% | 6.88% | $165,000 |
| 2024 | 3,336 | 1,861 | 19.1% | 6.88% | $185,000 |
| 2025 | 3,687 | 2,106 | 17.4% | 6.63% | $205,000 |
Frequently asked questions
17.4% of applications in Anderson County were denied in 2025, against 17.1% statewide in Tennessee.
Y-12 Federal Credit Union, with 259 applications in 2025 and a denial rate of 31.7%.
The median mortgage application in Anderson County in 2025 was for $205,000; the median property value on originated loans was $345,000.