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Jefferson County, Tennessee · 2025

Mortgage lenders in Jefferson County, TN: denial rates and top lenders (2025)

268 lenders acted on 2,911 mortgage applications for properties in Jefferson County in 2025. 18.9% were denied (Tennessee: 17.1%). Median rate on closed loans 6.50%; median loan $215,000; median property value $335,000.

2.9kApplications
18.9%Denial ratestate 17.1%
6.50%Median ratestate 6.62%
$215,000Median loan
$335,000Median property value

Largest lenders in Jefferson County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Vanderbilt Mortgage and Finance F 23731 38.4%9.99%
2 Knoxville Tva Employees Credit Union A 179146 3.4%5.99%
3 Rocket Mortgage C 173117 21.4%6.50%
4 United Shore Financial Services B 12390 8.1%6.00%
5 Dhi Mortgage Company B 10266 9.8%6.13%
6 FirstBank C 9259 16.3%6.75%
7 Mortgage Investors Group B 7352 2.7%6.50%
8 CMG Mortgage A 7047 4.3%6.25%
9 Regions Bank C 6726 44.8%4.99%
10 Mortgage Research Center C 6228 22.6%6.13%
11 Ornl C 5833 19.0%6.88%
12 Truist Bank C 5329 24.5%6.60%
13 21st Mortgage F 534 56.6%8.82%
14 Freedom Mortgage B 5320 3.8%6.13%
15 First Horizon Bank B 5232 26.9%7.26%
16 U.S. Bank D 4321 46.5%8.10%
17 Pennymac Loan Services C 4223 16.7%6.00%
18 Union Home Mortgage B 4137 0.0%6.50%
19 CONSUMER Credit Union B 3825 13.2%6.75%
20 Crosscountry Mortgage B 3716 8.1%6.58%
21 Stockton Mortgage D 3731 2.7%6.63%
22 Broker Solutions D 378 5.4%6.50%
23 AmeriSave Mortgage D 358 45.7%6.75%
24 First Community Mortgage A 2926 3.5%6.12%
25 Newrez D 2912 17.2%6.13%

Best approval odds in Jefferson County

Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.

#LenderDecidedDecision denial rate
1Mortgage Investors Group573.5%
2Knoxville Tva Employees Credit Union1623.7%
3CMG Mortgage565.4%
4United Shore Financial Services1039.7%
5Dhi Mortgage Company7713.0%
6FirstBank8218.3%
7Ornl5420.4%
8Rocket Mortgage15723.6%
9Regions Bank6446.9%
10Vanderbilt Mortgage and Finance12672.2%

What Jefferson County borrowers applied for

By loan purpose

Home purchase 1,398 48% · 16.0% denied
Refinance 327 11% · 16.5% denied
Cash-out refinance 665 23% · 19.9% denied
Home improvement 255 9% · 29.0% denied
Other / HELOC 266 9% · 25.2% denied

By loan type

Conventional 1,958 67% · 21.5% denied
FHA 529 18% · 13.2% denied
VA 377 13% · 15.7% denied
USDA / RHS 47 2% · 4.3% denied

Why applications were denied

Credit history 160 29%
Debt-to-income ratio 151 28%
Collateral 83 15%
Incomplete application 55 10%
Unverifiable information 41 8%
Other 33 6%
Insufficient cash 17 3%
Employment history 4 1%

Jefferson County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20232,4071,32620.9%6.75%$185,000
20242,4561,34820.3%6.75%$195,000
20252,9111,58718.9%6.50%$215,000

Frequently asked questions

18.9% of applications in Jefferson County were denied in 2025, against 17.1% statewide in Tennessee.

Vanderbilt Mortgage and Finance, with 237 applications in 2025 and a denial rate of 38.4%.

The median mortgage application in Jefferson County in 2025 was for $215,000; the median property value on originated loans was $335,000.