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Fentress County, Tennessee · 2025

Mortgage lenders in Fentress County, TN: denial rates and top lenders (2025)

147 lenders acted on 871 mortgage applications for properties in Fentress County in 2025. 15.5% were denied (Tennessee: 17.1%). Median rate on closed loans 6.63%; median loan $175,000; median property value $285,000.

871Applications
15.5%Denial ratestate 17.1%
6.63%Median ratestate 6.62%
$175,000Median loan
$285,000Median property value

Largest lenders in Fentress County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Rocket Mortgage C 6848 17.7%6.69%
2 Vanderbilt Mortgage and Finance F 5810 25.9%9.25%
3 Mortgage Research Center C 4322 7.0%5.99%
4 Builtwell Bank C 4128 17.1%—
5 Mortgage Investors Group B 3725 2.7%6.50%
6 One Bank of Tennessee B 3232 0.0%7.45%
7 United Shore Financial Services B 2923 17.2%5.91%
8 SmartBank B 2922 17.2%7.50%
9 Embrace Home Loans A 2822 0.0%6.56%
10 21st Mortgage F 278 40.7%10.35%
11 Van Dyk Mortgage B 2117 4.8%6.63%
12 AmeriSave Mortgage D 165 56.3%6.63%
13 FirstBank C 158 6.7%7.19%
14 Freedom Mortgage B 154 6.7%6.25%
15 Pennymac Loan Services C 137 15.4%6.75%
16 U.S. Bank D 136 38.5%7.51%
17 Broker Solutions D 124 0.0%6.50%
18 Nationstar Mortgage C 118 9.1%7.50%
19 Newrez D 113 9.1%6.63%
20 Farm Credit Mid-America D 117 9.1%7.13%
21 Regions Bank C 94 33.3%6.75%
22 Guild Mortgage A 96 0.0%6.56%
23 Navy Federal Credit Union D 96 11.1%7.19%
24 Mason Mcduffie Mortgage C 84 12.5%6.94%
25 Southwest Stage Funding F 80 0.0%—

Best approval odds in Fentress County

Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.

#LenderDecidedDecision denial rate
1Rocket Mortgage6219.4%

What Fentress County borrowers applied for

By loan purpose

Home purchase 417 48% · 12.2% denied
Refinance 139 16% · 7.9% denied
Cash-out refinance 178 20% · 21.4% denied
Home improvement 46 5% · 32.6% denied
Other / HELOC 91 10% · 22.0% denied

By loan type

Conventional 551 63% · 18.5% denied
FHA 146 17% · 15.8% denied
VA 144 17% · 4.9% denied
USDA / RHS 30 3% · 10.0% denied

Why applications were denied

Credit history 37 27%
Debt-to-income ratio 31 23%
Collateral 27 20%
Incomplete application 15 11%
Unverifiable information 12 9%
Other 8 6%
Employment history 4 3%
Insufficient cash 1 1%

Fentress County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
202361232719.0%6.75%$165,000
202468135622.8%6.63%$175,000
202587148215.5%6.63%$175,000

Frequently asked questions

15.5% of applications in Fentress County were denied in 2025, against 17.1% statewide in Tennessee.

Rocket Mortgage, with 68 applications in 2025 and a denial rate of 17.7%.

The median mortgage application in Fentress County in 2025 was for $175,000; the median property value on originated loans was $285,000.