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Hamilton County, Tennessee · 2025

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

518 lenders acted on 16,555 mortgage applications for properties in Hamilton County in 2025. 16.2% were denied (Tennessee: 17.1%). Median rate on closed loans 6.63%; median loan $235,000; median property value $385,000.

17kApplications
16.2%Denial ratestate 17.1%
6.63%Median ratestate 6.62%
$235,000Median loan
$385,000Median property value

Largest lenders in Hamilton County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Tennessee Valley FCU D 1,184678 21.1%6.63%
2 Regions Bank C 922473 34.8%4.99%
3 Rocket Mortgage C 877644 14.6%6.63%
4 Truist Bank C 582292 36.1%6.61%
5 FirstBank C 562470 6.6%6.75%
6 Movement Mortgage A 524354 3.8%6.63%
7 Union Home Mortgage B 465341 3.9%6.50%
8 United Shore Financial Services B 465322 11.6%6.00%
9 CMG Mortgage A 443317 2.7%6.63%
10 Vanderbilt Mortgage and Finance F 38229 41.1%8.75%
11 First Horizon Bank B 305195 27.9%7.25%
12 Summit Funding C 301186 4.3%6.88%
13 Freedom Mortgage B 286121 7.3%6.25%
14 Bank of America F 270105 33.7%5.99%
15 Mortgage Research Center C 261114 16.9%6.13%
16 Pinnacle Bank B 257190 12.8%6.50%
17 Pennymac Loan Services C 239111 10.9%5.99%
18 Broker Solutions D 22472 10.7%6.75%
19 Navy Federal Credit Union D 213104 13.6%7.25%
20 Kiavi Funding D 193161 9.3%10.24%
21 Newrez D 18158 15.5%6.25%
22 Ark-La-Tex Financial Services, LLC. A 180128 0.0%6.50%
23 Loandepot.Com D 179127 16.2%5.99%
24 Builtwell Bank C 179131 19.6%—
25 Highlands Residential Mortgage B 177126 3.4%6.49%

Best approval odds in Hamilton County

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

#LenderDecidedDecision denial rate
1Alameda Mortgage1290.0%
2Ark-La-Tex Financial Services, LLC.1280.0%
3Mortgage Investors Group1281.6%
4CMG Mortgage3623.3%
5Highlands Residential Mortgage1514.0%
6Coastal Community Bank1224.1%
7Movement Mortgage4344.6%
8Union Home Mortgage3635.0%
9Summit Funding2026.4%
10FirstBank5127.2%

What Hamilton County borrowers applied for

By loan purpose

Home purchase 7,503 45% · 8.4% denied
Refinance 2,563 15% · 12.9% denied
Cash-out refinance 2,831 17% · 20.6% denied
Home improvement 1,846 11% · 33.2% denied
Other / HELOC 1,812 11% · 29.3% denied

By loan type

Conventional 13,059 79% · 17.1% denied
FHA 2,142 13% · 13.6% denied
VA 1,324 8% · 11.6% denied
USDA / RHS 30 0% · 13.3% denied

Why applications were denied

Debt-to-income ratio 895 33%
Credit history 685 26%
Incomplete application 364 14%
Collateral 361 13%
Other 170 6%
Unverifiable information 140 5%
Insufficient cash 40 1%
Employment history 26 1%

Hamilton County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
202314,4138,27817.7%6.99%$205,000
202415,2238,84317.4%6.99%$215,000
202516,5559,71316.2%6.63%$235,000

Frequently asked questions

16.2% of applications in Hamilton County were denied in 2025, against 17.1% statewide in Tennessee.

Tennessee Valley FCU, with 1,184 applications in 2025 and a denial rate of 21.1%.

The median mortgage application in Hamilton County in 2025 was for $235,000; the median property value on originated loans was $385,000.