Largest lenders in Jackson County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Citizens Bank of Lafayette | A | 50 | 48 | 0.0% | 7.75% |
| 2 | Rocket Mortgage | C | 38 | 24 | 34.2% | 6.50% |
| 3 | 21st Mortgage | F | 31 | 8 | 38.7% | 8.78% |
| 4 | United Shore Financial Services | B | 17 | 13 | 5.9% | 6.13% |
| 5 | Vanderbilt Mortgage and Finance | F | 17 | 4 | 17.7% | 8.37% |
| 6 | FirstBank | C | 13 | 7 | 23.1% | 7.50% |
| 7 | Regions Bank | C | 12 | 4 | 33.3% | 6.25% |
| 8 | Mason Mcduffie Mortgage | C | 12 | 10 | 0.0% | 6.56% |
| 9 | Wilson Bank and Trust | C | 11 | 9 | 9.1% | 8.00% |
| 10 | U.S. Bank | D | 9 | 6 | 22.2% | 8.48% |
| 11 | Mutual of Omaha Mortgage | C | 9 | 5 | 11.1% | 7.00% |
| 12 | Mortgage Research Center | C | 9 | 4 | 22.2% | 5.75% |
| 13 | Farm Credit Mid-America | D | 9 | 7 | 11.1% | 7.13% |
| 14 | Navy Federal Credit Union | D | 9 | 4 | 22.2% | 6.50% |
| 15 | CMG Mortgage | A | 8 | 6 | 0.0% | 6.25% |
| 16 | Newrez | D | 8 | 3 | 12.5% | 6.13% |
| 17 | Pennymac Loan Services | C | 7 | 4 | 0.0% | 6.00% |
| 18 | AmeriSave Mortgage | D | 7 | 1 | 57.1% | 10.13% |
| 19 | Union Home Mortgage | B | 7 | 5 | 0.0% | 6.38% |
| 20 | First Horizon Bank | B | 6 | 3 | 50.0% | 9.11% |
| 21 | Freedom Mortgage | B | 6 | 4 | 0.0% | 6.00% |
| 22 | American Pacific Mortgage | C | 6 | 5 | 0.0% | 6.63% |
| 23 | First Freedom Bank | – | 6 | 2 | 16.7% | — |
| 24 | SmartBank | B | 6 | 3 | 50.0% | 7.50% |
| 25 | Movement Mortgage | A | 6 | 1 | 0.0% | 6.25% |
What Jackson County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Jackson County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 435 | 256 | 18.6% | 7.75% | $115,000 |
| 2024 | 488 | 261 | 21.7% | 7.25% | $135,000 |
| 2025 | 494 | 280 | 18.2% | 6.99% | $155,000 |
Frequently asked questions
18.2% of applications in Jackson County were denied in 2025, against 17.1% statewide in Tennessee.
Citizens Bank of Lafayette, with 50 applications in 2025 and a denial rate of 0.0%.
The median mortgage application in Jackson County in 2025 was for $155,000; the median property value on originated loans was $285,000.