Largest lenders in Claiborne County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Vanderbilt Mortgage and Finance | F | 268 | 38 | 41.8% | 9.75% |
| 2 | Rocket Mortgage | C | 66 | 40 | 24.2% | 6.25% |
| 3 | Hearthside Bank | C | 50 | 32 | 14.0% | — |
| 4 | Commercial Bank | B | 46 | 41 | 6.5% | 6.75% |
| 5 | FirstBank | C | 40 | 10 | 65.0% | 6.56% |
| 6 | Credit Human Federal Credit Union | D | 34 | 4 | 79.4% | 8.20% |
| 7 | Mortgage Research Center | C | 34 | 17 | 2.9% | 6.25% |
| 8 | First Century Bank | B | 32 | 25 | 6.3% | — |
| 9 | Triad Financial Services | D | 30 | 0 | 73.3% | — |
| 10 | Community Trust Bank | B | 29 | 20 | 20.7% | 6.00% |
| 11 | Mortgage Investors Group | B | 27 | 20 | 3.7% | 6.69% |
| 12 | Y-12 Federal Credit Union | C | 27 | 11 | 51.9% | 7.30% |
| 13 | United Shore Financial Services | B | 23 | 18 | 4.4% | 5.81% |
| 14 | American Pacific Mortgage | C | 21 | 17 | 0.0% | 6.25% |
| 15 | Enrichment | B | 19 | 17 | 5.3% | 6.00% |
| 16 | Freedom Mortgage | B | 18 | 7 | 11.1% | 6.25% |
| 17 | 21st Mortgage | F | 17 | 2 | 41.2% | 10.32% |
| 18 | Stockton Mortgage | D | 17 | 8 | 5.9% | 6.75% |
| 19 | Pennymac Loan Services | C | 15 | 8 | 13.3% | 6.12% |
| 20 | AmeriSave Mortgage | D | 14 | 4 | 57.1% | 8.50% |
| 21 | Right Start Mortgage | D | 14 | 9 | 7.1% | 6.63% |
| 22 | Southwest Stage Funding | F | 13 | 3 | 7.7% | 8.90% |
| 23 | First Community Mortgage | A | 11 | 9 | 0.0% | 6.49% |
| 24 | Ornl | C | 11 | 5 | 45.5% | 7.00% |
| 25 | Renasant Bank | B | 11 | 11 | 0.0% | 6.50% |
Best approval odds in Claiborne County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Rocket Mortgage | 59 | 27.1% |
| 2 | Vanderbilt Mortgage and Finance | 153 | 73.2% |
What Claiborne County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Claiborne County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 912 | 427 | 24.5% | 6.75% | $145,000 |
| 2024 | 1,074 | 490 | 28.4% | 6.75% | $145,000 |
| 2025 | 1,267 | 571 | 26.8% | 6.58% | $155,000 |
Frequently asked questions
26.8% of applications in Claiborne County were denied in 2025, against 17.1% statewide in Tennessee.
Vanderbilt Mortgage and Finance, with 268 applications in 2025 and a denial rate of 41.8%.
The median mortgage application in Claiborne County in 2025 was for $155,000; the median property value on originated loans was $245,000.