Largest lenders in Bedford County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | First Community Mortgage | A | 175 | 132 | 6.3% | 6.63% |
| 2 | Rocket Mortgage | C | 157 | 115 | 18.5% | 6.50% |
| 3 | Ascend Federal Credit Union | C | 142 | 84 | 18.3% | 7.50% |
| 4 | CMG Mortgage | A | 92 | 57 | 7.6% | 6.13% |
| 5 | United Shore Financial Services | B | 87 | 59 | 14.9% | 6.00% |
| 6 | Pennymac Loan Services | C | 83 | 44 | 16.9% | 6.13% |
| 7 | Freedom Mortgage | B | 69 | 35 | 1.5% | 6.25% |
| 8 | The First National Bank of Middle Tennessee | C | 59 | 44 | 10.2% | 6.25% |
| 9 | FirstBank | C | 58 | 45 | 15.5% | 7.13% |
| 10 | Heritage South Community CU | C | 55 | 41 | 16.4% | 8.10% |
| 11 | Primis Mortgage | B | 48 | 36 | 0.0% | 6.56% |
| 12 | Regions Bank | C | 42 | 19 | 45.2% | 4.99% |
| 13 | Mortgage Research Center | C | 35 | 10 | 22.9% | 6.31% |
| 14 | Loandepot.Com | D | 33 | 26 | 3.0% | 5.38% |
| 15 | Broker Solutions | D | 32 | 11 | 6.3% | 6.63% |
| 16 | Pinnacle Bank | B | 32 | 24 | 18.8% | 6.63% |
| 17 | U.S. Bank | D | 26 | 13 | 26.9% | 8.15% |
| 18 | Vanderbilt Mortgage and Finance | F | 24 | 3 | 54.2% | 8.99% |
| 19 | AmeriSave Mortgage | D | 23 | 3 | 69.6% | 6.63% |
| 20 | Spring Eq | D | 23 | 7 | 47.8% | 9.63% |
| 21 | Movement Mortgage | A | 23 | 14 | 0.0% | 6.44% |
| 22 | Farm Credit Mid-America | D | 23 | 16 | 21.7% | 7.16% |
| 23 | REDSTONE Federal Credit Union | C | 22 | 10 | 27.3% | 8.13% |
| 24 | 21st Mortgage | F | 21 | 5 | 52.4% | 10.33% |
| 25 | Lakeview Loan Servicing | C | 20 | 8 | 50.0% | 6.44% |
Best approval odds in Bedford County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | First Community Mortgage | 154 | 7.1% |
| 2 | CMG Mortgage | 73 | 9.6% |
| 3 | The First National Bank of Middle Tennessee | 50 | 12.0% |
| 4 | FirstBank | 56 | 16.1% |
| 5 | Heritage South Community CU | 55 | 16.4% |
| 6 | United Shore Financial Services | 72 | 18.1% |
| 7 | Rocket Mortgage | 145 | 20.0% |
| 8 | Ascend Federal Credit Union | 113 | 23.0% |
| 9 | Pennymac Loan Services | 58 | 24.1% |
What Bedford County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Bedford County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 1,957 | 1,226 | 15.3% | 6.88% | $215,000 |
| 2024 | 2,032 | 1,230 | 16.1% | 6.75% | $245,000 |
| 2025 | 2,133 | 1,252 | 17.0% | 6.63% | $235,000 |
Frequently asked questions
17.0% of applications in Bedford County were denied in 2025, against 17.1% statewide in Tennessee.
First Community Mortgage, with 175 applications in 2025 and a denial rate of 6.3%.
The median mortgage application in Bedford County in 2025 was for $235,000; the median property value on originated loans was $335,000.