Largest lenders in Benton County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Vanderbilt Mortgage and Finance | F | 79 | 13 | 35.4% | 9.50% |
| 2 | Carroll Bank and Trust | A | 61 | 56 | 3.3% | — |
| 3 | First Community Mortgage | A | 61 | 54 | 4.9% | 6.19% |
| 4 | FirstBank | C | 59 | 41 | 22.0% | 7.50% |
| 5 | Rocket Mortgage | C | 39 | 30 | 15.4% | 6.56% |
| 6 | 21st Mortgage | F | 26 | 3 | 53.9% | 9.15% |
| 7 | Mortgage Research Center | C | 22 | 14 | 0.0% | 6.25% |
| 8 | United Shore Financial Services | B | 21 | 18 | 4.8% | 5.75% |
| 9 | Johnsonville Tva Employees Credit Union | – | 19 | 10 | 47.4% | 7.13% |
| 10 | Regions Bank | C | 17 | 8 | 52.9% | 6.75% |
| 11 | Cardinal Financial Company, Limited Partnership | B | 15 | 14 | 6.7% | 6.99% |
| 12 | Freedom Mortgage | B | 15 | 6 | 26.7% | 5.88% |
| 13 | AmeriSave Mortgage | D | 14 | 4 | 71.4% | 6.38% |
| 14 | Pennymac Loan Services | C | 13 | 5 | 23.1% | 5.49% |
| 15 | Broker Solutions | D | 11 | 2 | 18.2% | 7.31% |
| 16 | Apex Bank | C | 10 | 5 | 40.0% | — |
| 17 | Triad Financial Services | D | 10 | 3 | 30.0% | 12.35% |
| 18 | JPMorgan Chase Bank | B | 8 | 6 | 12.5% | 6.50% |
| 19 | Village Capital & Investment | C | 8 | 4 | 12.5% | 5.75% |
| 20 | Newrez | D | 8 | 4 | 12.5% | 6.38% |
| 21 | New Day Financial | F | 7 | 1 | 14.3% | 6.99% |
| 22 | Dominion Financial Services | A | 7 | 7 | 0.0% | 6.50% |
| 23 | Loandepot.Com | D | 7 | 2 | 42.9% | 6.49% |
| 24 | Coastal Community Bank | C | 7 | 1 | 0.0% | 14.24% |
| 25 | Carrington Mortgage Services | D | 6 | 2 | 33.3% | 7.56% |
Best approval odds in Benton County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Carroll Bank and Trust | 58 | 3.5% |
| 2 | First Community Mortgage | 60 | 5.0% |
| 3 | FirstBank | 56 | 23.2% |
What Benton County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Benton County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 609 | 341 | 17.9% | 7.13% | $125,000 |
| 2024 | 680 | 378 | 22.1% | 6.88% | $125,000 |
| 2025 | 733 | 402 | 21.3% | 6.74% | $145,000 |
Frequently asked questions
21.3% of applications in Benton County were denied in 2025, against 17.1% statewide in Tennessee.
Vanderbilt Mortgage and Finance, with 79 applications in 2025 and a denial rate of 35.4%.
The median mortgage application in Benton County in 2025 was for $145,000; the median property value on originated loans was $235,000.