Largest lenders in Hardin County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Rocket Mortgage | C | 64 | 47 | 17.2% | 6.99% |
| 2 | Union Home Mortgage | B | 42 | 37 | 7.1% | 6.13% |
| 3 | Equity Prime Mortgage | D | 42 | 39 | 0.0% | 6.50% |
| 4 | Mortgage Research Center | C | 40 | 17 | 20.0% | 6.50% |
| 5 | 21st Mortgage | F | 32 | 3 | 53.1% | 9.32% |
| 6 | United Shore Financial Services | B | 27 | 18 | 7.4% | 6.13% |
| 7 | First Community Mortgage | A | 25 | 20 | 8.0% | 6.38% |
| 8 | CB&S Bank | C | 24 | 16 | 12.5% | 6.25% |
| 9 | Vanderbilt Mortgage and Finance | F | 24 | 3 | 45.8% | 9.75% |
| 10 | Pennymac Loan Services | C | 17 | 7 | 11.8% | 5.99% |
| 11 | Cadence Bank | B | 16 | 12 | 6.3% | 7.63% |
| 12 | Click n' Close | C | 16 | 14 | 0.0% | 6.31% |
| 13 | Leaders Credit Union | C | 15 | 8 | 26.7% | 6.37% |
| 14 | New Day Financial | F | 13 | 3 | 15.4% | 6.49% |
| 15 | Freedom Mortgage | B | 13 | 4 | 23.1% | 5.81% |
| 16 | The Bank of Fayette County | B | 13 | 10 | 7.7% | — |
| 17 | Truist Bank | C | 12 | 6 | 33.3% | 6.65% |
| 18 | Centennial Bank | B | 12 | 11 | 0.0% | — |
| 19 | AmeriSave Mortgage | D | 12 | 0 | 91.7% | — |
| 20 | Mortgage Investors Group | B | 12 | 10 | 0.0% | 6.69% |
| 21 | FirstBank | C | 12 | 3 | 66.7% | 6.88% |
| 22 | Newrez | D | 12 | 3 | 16.7% | 6.25% |
| 23 | Regions Bank | C | 11 | 5 | 45.5% | 6.38% |
| 24 | Lakeview Loan Servicing | C | 9 | 2 | 33.3% | 6.69% |
| 25 | Renasant Bank | B | 9 | 8 | 0.0% | 6.63% |
Best approval odds in Hardin County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Rocket Mortgage | 58 | 19.0% |
What Hardin County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Hardin County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 688 | 384 | 22.0% | 6.75% | $135,000 |
| 2024 | 718 | 433 | 19.2% | 6.75% | $165,000 |
| 2025 | 833 | 480 | 16.3% | 6.50% | $175,000 |
Frequently asked questions
16.3% of applications in Hardin County were denied in 2025, against 17.1% statewide in Tennessee.
Rocket Mortgage, with 64 applications in 2025 and a denial rate of 17.2%.
The median mortgage application in Hardin County in 2025 was for $175,000; the median property value on originated loans was $255,000.