Largest lenders in Houston County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Vanderbilt Mortgage and Finance | F | 34 | 3 | 32.4% | 9.99% |
| 2 | Regions Bank | C | 32 | 13 | 43.8% | 4.99% |
| 3 | Rocket Mortgage | C | 32 | 23 | 21.9% | 6.63% |
| 4 | Traditions First Bank | – | 29 | 22 | 13.8% | — |
| 5 | Mortgage Research Center | C | 27 | 10 | 18.5% | 6.19% |
| 6 | United Shore Financial Services | B | 17 | 13 | 5.9% | 6.00% |
| 7 | 21st Mortgage | F | 13 | 3 | 46.2% | 8.71% |
| 8 | First Community Mortgage | A | 11 | 8 | 18.2% | 6.25% |
| 9 | Broker Solutions | D | 10 | 4 | 20.0% | 7.13% |
| 10 | ALTRA Federal Credit Union | B | 10 | 7 | 10.0% | 8.50% |
| 11 | Guaranteed Rate | B | 9 | 8 | 11.1% | 6.06% |
| 12 | CMG Mortgage | A | 9 | 5 | 0.0% | 6.63% |
| 13 | Navy Federal Credit Union | D | 9 | 4 | 33.3% | 6.44% |
| 14 | Fortera Federal Credit Union | D | 9 | 5 | 22.2% | 6.74% |
| 15 | Crosscountry Mortgage | B | 8 | 6 | 0.0% | 6.18% |
| 16 | Freedom Mortgage | B | 8 | 5 | 12.5% | 6.38% |
| 17 | Newrez | D | 8 | 3 | 0.0% | 6.13% |
| 18 | American Financial Resources | B | 7 | 4 | 14.3% | 6.19% |
| 19 | First Financial Bank | C | 6 | 3 | 33.3% | 6.75% |
| 20 | Loandepot.Com | D | 6 | 4 | 16.7% | 6.99% |
| 21 | Cardinal Financial Company, Limited Partnership | B | 5 | 5 | 0.0% | 6.25% |
| 22 | FirstBank | C | 5 | 5 | 0.0% | 6.99% |
| 23 | Johnsonville Tva Employees Credit Union | – | 5 | 0 | 100.0% | — |
| 24 | First Federal Bank | B | 5 | 3 | 40.0% | — |
What Houston County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Houston County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 358 | 202 | 17.9% | 6.90% | $145,000 |
| 2024 | 394 | 217 | 22.6% | 6.75% | $155,000 |
| 2025 | 442 | 237 | 22.0% | 6.50% | $165,000 |
Frequently asked questions
22.0% of applications in Houston County were denied in 2025, against 17.1% statewide in Tennessee.
Vanderbilt Mortgage and Finance, with 34 applications in 2025 and a denial rate of 32.4%.
The median mortgage application in Houston County in 2025 was for $165,000; the median property value on originated loans was $275,000.