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Hamblen County, Tennessee · 2025

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

221 lenders acted on 2,779 mortgage applications for properties in Hamblen County in 2025. 17.1% were denied (Tennessee: 17.1%). Median rate on closed loans 6.50%; median loan $195,000; median property value $305,000.

2.8kApplications
17.1%Denial ratestate 17.1%
6.50%Median ratestate 6.62%
$195,000Median loan
$305,000Median property value

Largest lenders in Hamblen County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Knoxville Tva Employees Credit Union A 266220 6.0%5.88%
2 Rocket Mortgage C 173122 18.5%6.88%
3 Vanderbilt Mortgage and Finance F 1529 44.1%8.99%
4 United Shore Financial Services B 11282 8.0%6.12%
5 CMG Mortgage A 9069 0.0%6.19%
6 Dhi Mortgage Company B 8548 10.6%6.25%
7 Mortgage Investors Group B 7959 5.1%6.63%
8 Union Home Mortgage B 7258 2.8%6.31%
9 CONSUMER Credit Union B 7247 6.9%5.50%
10 Broker Solutions D 7132 9.9%6.88%
11 Ornl C 7031 18.6%7.50%
12 Regions Bank C 6534 27.7%5.94%
13 Freedom Mortgage B 6530 12.3%6.25%
14 Mortgage Research Center C 5918 20.3%6.19%
15 Pennymac Loan Services C 5127 11.8%5.75%
16 21st Mortgage F 4911 55.1%9.11%
17 First Horizon Bank B 4530 24.4%7.25%
18 Truist Bank C 4325 34.9%6.87%
19 Newrez D 3615 16.7%6.63%
20 Coastal Community Bank C 3418 0.0%11.62%
21 AmeriSave Mortgage D 3311 51.5%8.00%
22 HomeTrust Bank C 3217 28.1%7.50%
23 Everett Financial C 3124 9.7%6.63%
24 Eastman Credit Union D 2819 28.6%7.00%
25 Guild Mortgage A 2721 3.7%6.62%

Best approval odds in Hamblen County

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

#LenderDecidedDecision denial rate
1CMG Mortgage780.0%
2Union Home Mortgage613.3%
3Mortgage Investors Group656.2%
4Knoxville Tva Employees Credit Union2486.5%
5CONSUMER Credit Union667.6%
6United Shore Financial Services929.8%
7Dhi Mortgage Company5915.3%
8Rocket Mortgage15820.3%
9Ornl5722.8%
10Regions Bank6030.0%

What Hamblen County borrowers applied for

By loan purpose

Home purchase 1,232 44% · 14.7% denied
Refinance 346 12% · 10.4% denied
Cash-out refinance 738 27% · 18.2% denied
Home improvement 240 9% · 20.0% denied
Other / HELOC 223 8% · 34.1% denied

By loan type

Conventional 1,780 64% · 19.6% denied
FHA 679 24% · 12.7% denied
VA 300 11% · 13.3% denied
USDA / RHS 20 1% · 5.0% denied

Why applications were denied

Credit history 168 36%
Debt-to-income ratio 112 24%
Incomplete application 56 12%
Collateral 51 11%
Unverifiable information 35 7%
Other 31 7%
Employment history 9 2%
Insufficient cash 6 1%

Hamblen County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20232,1211,21017.6%6.75%$175,000
20242,4511,41417.8%6.74%$175,000
20252,7791,60917.1%6.50%$195,000

Frequently asked questions

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

Knoxville Tva Employees Credit Union, with 266 applications in 2025 and a denial rate of 6.0%.

The median mortgage application in Hamblen County in 2025 was for $195,000; the median property value on originated loans was $305,000.