Largest lenders in Gibson County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Leaders Credit Union | C | 318 | 215 | 12.3% | 6.62% |
| 2 | Regions Bank | C | 221 | 98 | 41.6% | 6.13% |
| 3 | Cadence Bank | B | 111 | 68 | 22.5% | 7.25% |
| 4 | Centennial Bank | B | 96 | 81 | 7.3% | — |
| 5 | Rocket Mortgage | C | 86 | 58 | 20.9% | 6.38% |
| 6 | Simmons Bank | C | 64 | 40 | 26.6% | 4.99% |
| 7 | Carroll Bank and Trust | A | 62 | 55 | 3.2% | — |
| 8 | First Community Mortgage | A | 58 | 49 | 5.2% | 6.25% |
| 9 | United Shore Financial Services | B | 57 | 41 | 7.0% | 6.48% |
| 10 | 21st Mortgage | F | 54 | 10 | 46.3% | 9.93% |
| 11 | Mortgage Research Center | C | 53 | 29 | 18.9% | 6.25% |
| 12 | Freedom Mortgage | B | 47 | 19 | 8.5% | 6.25% |
| 13 | Mortgage Investors Group | B | 44 | 39 | 0.0% | 6.25% |
| 14 | Vanderbilt Mortgage and Finance | F | 42 | 4 | 45.2% | 9.13% |
| 15 | FirstBank | C | 35 | 14 | 37.1% | 6.49% |
| 16 | GoodLeap | C | 27 | 10 | 22.2% | 8.02% |
| 17 | Security Bank and Trust | C | 26 | 19 | 7.7% | — |
| 18 | Security Bank | A | 23 | 22 | 0.0% | — |
| 19 | Click n' Close | C | 23 | 17 | 4.4% | 6.88% |
| 20 | Pennymac Loan Services | C | 22 | 8 | 18.2% | 6.00% |
| 21 | Commercial Bank & Trust | B | 21 | 16 | 9.5% | — |
| 22 | Newrez | D | 21 | 1 | 33.3% | 6.25% |
| 23 | New Day Financial | F | 20 | 5 | 20.0% | 6.99% |
| 24 | Navy Federal Credit Union | D | 20 | 8 | 30.0% | 5.75% |
| 25 | Broker Solutions | D | 19 | 5 | 5.3% | 6.99% |
Best approval odds in Gibson 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 | 57 | 3.5% |
| 2 | First Community Mortgage | 56 | 5.4% |
| 3 | Centennial Bank | 90 | 7.8% |
| 4 | Leaders Credit Union | 255 | 15.3% |
| 5 | Rocket Mortgage | 82 | 22.0% |
| 6 | Cadence Bank | 96 | 26.0% |
| 7 | Simmons Bank | 57 | 29.8% |
| 8 | Regions Bank | 206 | 44.7% |
What Gibson County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Gibson County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 1,810 | 1,058 | 19.8% | 7.00% | $125,000 |
| 2024 | 1,845 | 1,116 | 19.8% | 6.88% | $135,000 |
| 2025 | 2,092 | 1,200 | 20.6% | 6.50% | $145,000 |
Frequently asked questions
20.6% of applications in Gibson County were denied in 2025, against 17.1% statewide in Tennessee.
Leaders Credit Union, with 318 applications in 2025 and a denial rate of 12.3%.
The median mortgage application in Gibson County in 2025 was for $145,000; the median property value on originated loans was $245,000.