Largest lenders in Hawkins County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Eastman Credit Union | D | 404 | 280 | 21.3% | 7.25% |
| 2 | Vanderbilt Mortgage and Finance | F | 237 | 40 | 30.8% | 9.50% |
| 3 | Rocket Mortgage | C | 131 | 81 | 23.7% | 6.38% |
| 4 | United Shore Financial Services | B | 88 | 59 | 13.6% | 6.25% |
| 5 | Movement Mortgage | A | 63 | 40 | 3.2% | 6.63% |
| 6 | Mortgage Research Center | C | 62 | 26 | 19.4% | 6.25% |
| 7 | Credit Human Federal Credit Union | D | 46 | 0 | 93.5% | — |
| 8 | U.S. Bank | D | 45 | 15 | 40.0% | 8.35% |
| 9 | Pennymac Loan Services | C | 42 | 21 | 7.1% | 6.00% |
| 10 | Cardinal Financial Company, Limited Partnership | B | 40 | 28 | 7.5% | 6.75% |
| 11 | Freedom Mortgage | B | 40 | 22 | 7.5% | 6.25% |
| 12 | Appalachian Community Federal Credit Union | C | 40 | 24 | 10.0% | — |
| 13 | Kingsport Press Credit Union | – | 40 | 40 | 0.0% | 6.50% |
| 14 | 21st Mortgage | F | 36 | 6 | 50.0% | 10.01% |
| 15 | Newrez | D | 30 | 8 | 30.0% | 6.19% |
| 16 | Coastal Community Bank | C | 30 | 11 | 6.7% | 13.74% |
| 17 | Regions Bank | C | 29 | 11 | 51.7% | 5.63% |
| 18 | Mortgage Investors Group | B | 28 | 17 | 14.3% | 6.50% |
| 19 | CMG Mortgage | A | 28 | 25 | 0.0% | 6.63% |
| 20 | Gvc Mortgage | B | 25 | 19 | 0.0% | 6.58% |
| 21 | Everett Financial | C | 24 | 19 | 4.2% | 6.63% |
| 22 | Union Home Mortgage | B | 24 | 17 | 4.2% | 6.38% |
| 23 | New Day Financial | F | 23 | 7 | 17.4% | 6.75% |
| 24 | Broker Solutions | D | 23 | 7 | 4.4% | 6.50% |
| 25 | Navy Federal Credit Union | D | 23 | 11 | 13.0% | 7.38% |
Best approval odds in Hawkins County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | United Shore Financial Services | 73 | 16.4% |
| 2 | Eastman Credit Union | 369 | 23.3% |
| 3 | Rocket Mortgage | 115 | 27.0% |
| 4 | Vanderbilt Mortgage and Finance | 123 | 59.4% |
What Hawkins County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Hawkins County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 2,035 | 1,083 | 23.5% | 6.95% | $145,000 |
| 2024 | 2,217 | 1,166 | 21.0% | 6.99% | $155,000 |
| 2025 | 2,353 | 1,248 | 20.4% | 6.75% | $165,000 |
Frequently asked questions
20.4% of applications in Hawkins County were denied in 2025, against 17.1% statewide in Tennessee.
Eastman Credit Union, with 404 applications in 2025 and a denial rate of 21.3%.
The median mortgage application in Hawkins County in 2025 was for $165,000; the median property value on originated loans was $275,000.