Largest lenders in Hardeman County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | 21st Mortgage | F | 47 | 12 | 34.0% | 10.47% |
| 2 | Regions Bank | C | 43 | 20 | 30.2% | 5.37% |
| 3 | Vanderbilt Mortgage and Finance | F | 43 | 4 | 53.5% | 9.75% |
| 4 | Brighton Bank | B | 42 | 31 | 4.8% | 6.25% |
| 5 | Centennial Bank | B | 39 | 35 | 5.1% | — |
| 6 | Rocket Mortgage | C | 32 | 24 | 15.6% | 7.19% |
| 7 | Simmons Bank | C | 28 | 20 | 14.3% | 6.19% |
| 8 | CB&S Bank | C | 25 | 14 | 32.0% | 6.54% |
| 9 | The Bank of Fayette County | B | 24 | 21 | 8.3% | — |
| 10 | Mortgage Research Center | C | 23 | 14 | 21.7% | 6.56% |
| 11 | Leaders Credit Union | C | 17 | 10 | 29.4% | 6.49% |
| 12 | Triad Financial Services | D | 16 | 7 | 31.3% | 9.60% |
| 13 | United Shore Financial Services | B | 13 | 7 | 30.8% | 5.99% |
| 14 | AmeriSave Mortgage | D | 12 | 1 | 83.3% | 5.75% |
| 15 | FirstBank | C | 12 | 3 | 58.3% | 7.00% |
| 16 | Freedom Mortgage | B | 12 | 1 | 0.0% | 5.25% |
| 17 | Newrez | D | 12 | 3 | 33.3% | 5.99% |
| 18 | Pennymac Loan Services | C | 11 | 6 | 27.3% | 6.25% |
| 19 | First Community Mortgage | A | 10 | 4 | 20.0% | 6.25% |
| 20 | Primis Mortgage | B | 9 | 7 | 0.0% | 6.38% |
| 21 | Navy Federal Credit Union | D | 9 | 2 | 44.4% | 7.69% |
| 22 | Cadence Bank | B | 8 | 5 | 12.5% | 7.13% |
| 23 | Fairway Independent Mortgage | B | 7 | 5 | 0.0% | 6.75% |
| 24 | Farm Credit Mid-America | D | 7 | 3 | 28.6% | 7.13% |
| 25 | GoodLeap | C | 6 | 2 | 0.0% | 7.70% |
What Hardeman County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Hardeman County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 616 | 310 | 22.7% | 7.00% | $115,000 |
| 2024 | 671 | 347 | 25.2% | 6.99% | $125,000 |
| 2025 | 697 | 357 | 22.4% | 6.63% | $135,000 |
Frequently asked questions
22.4% of applications in Hardeman County were denied in 2025, against 17.1% statewide in Tennessee.
21st Mortgage, with 47 applications in 2025 and a denial rate of 34.0%.
The median mortgage application in Hardeman County in 2025 was for $135,000; the median property value on originated loans was $205,000.