Largest lenders in Grainger County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Vanderbilt Mortgage and Finance | F | 161 | 26 | 44.1% | 10.12% |
| 2 | Rocket Mortgage | C | 58 | 41 | 20.7% | 6.63% |
| 3 | Knoxville Tva Employees Credit Union | A | 52 | 48 | 1.9% | 5.99% |
| 4 | Citizens Bank and Trust Company of Grainger County | – | 35 | 30 | 5.7% | — |
| 5 | United Shore Financial Services | B | 35 | 19 | 28.6% | 6.25% |
| 6 | Mortgage Investors Group | B | 34 | 28 | 8.8% | 6.49% |
| 7 | 21st Mortgage | F | 31 | 4 | 58.1% | 9.55% |
| 8 | CMG Mortgage | A | 28 | 23 | 0.0% | 6.38% |
| 9 | Mortgage Research Center | C | 26 | 13 | 19.2% | 6.13% |
| 10 | Ornl | C | 25 | 13 | 12.0% | 7.50% |
| 11 | Broker Solutions | D | 24 | 11 | 8.3% | 6.99% |
| 12 | Union Home Mortgage | B | 17 | 14 | 0.0% | 6.63% |
| 13 | Farm Credit Mid-America | D | 16 | 14 | 0.0% | 7.25% |
| 14 | Home Federal Bank of Tennessee | B | 16 | 11 | 6.3% | 5.99% |
| 15 | First Horizon Bank | B | 14 | 9 | 28.6% | 7.53% |
| 16 | U.S. Bank | D | 13 | 5 | 46.2% | 7.90% |
| 17 | Freedom Mortgage | B | 13 | 7 | 15.4% | 5.88% |
| 18 | Southwest Stage Funding | F | 13 | 4 | 7.7% | 8.93% |
| 19 | Truist Bank | C | 12 | 5 | 33.3% | 7.20% |
| 20 | Regions Bank | C | 12 | 6 | 41.7% | 6.25% |
| 21 | Community Trust Bank | B | 12 | 11 | 8.3% | 6.00% |
| 22 | Commercial Bank | B | 11 | 11 | 0.0% | 6.50% |
| 23 | Loandepot.Com | D | 11 | 4 | 36.4% | 6.63% |
| 24 | AmeriSave Mortgage | D | 10 | 4 | 40.0% | 5.81% |
| 25 | CONSUMER Credit Union | B | 10 | 6 | 0.0% | 6.00% |
Best approval odds in Grainger County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Knoxville Tva Employees Credit Union | 51 | 2.0% |
| 2 | Rocket Mortgage | 55 | 21.8% |
| 3 | Vanderbilt Mortgage and Finance | 100 | 71.0% |
What Grainger County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Grainger County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 908 | 407 | 26.9% | 6.88% | $155,000 |
| 2024 | 992 | 513 | 22.3% | 6.88% | $175,000 |
| 2025 | 1,061 | 556 | 22.3% | 6.63% | $185,000 |
Frequently asked questions
22.3% of applications in Grainger County were denied in 2025, against 17.1% statewide in Tennessee.
Vanderbilt Mortgage and Finance, with 161 applications in 2025 and a denial rate of 44.1%.
The median mortgage application in Grainger County in 2025 was for $185,000; the median property value on originated loans was $325,000.