Largest lenders in Johnson County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Eastman Credit Union | D | 57 | 33 | 38.6% | 7.50% |
| 2 | Vanderbilt Mortgage and Finance | F | 55 | 4 | 29.1% | 9.00% |
| 3 | Skyline National Bank | B | 54 | 49 | 5.6% | — |
| 4 | Rocket Mortgage | C | 48 | 33 | 27.1% | 6.38% |
| 5 | Mortgage Research Center | C | 25 | 9 | 16.0% | 6.25% |
| 6 | United Shore Financial Services | B | 21 | 15 | 19.1% | 5.75% |
| 7 | State Employees' | C | 17 | 11 | 5.9% | 6.15% |
| 8 | Navy Federal Credit Union | D | 13 | 3 | 38.5% | 5.88% |
| 9 | Freedom Mortgage | B | 12 | 5 | 8.3% | 6.75% |
| 10 | Pennymac Loan Services | C | 11 | 5 | 0.0% | 6.25% |
| 11 | Elizabethton Federal Savings Bank | A | 10 | 8 | 10.0% | — |
| 12 | Newrez | D | 10 | 4 | 0.0% | 5.81% |
| 13 | 21st Mortgage | F | 9 | 1 | 33.3% | 9.52% |
| 14 | Cardinal Financial Company, Limited Partnership | B | 9 | 8 | 0.0% | 6.69% |
| 15 | Movement Mortgage | A | 9 | 5 | 11.1% | 6.75% |
| 16 | Truist Bank | C | 8 | 7 | 12.5% | 6.38% |
| 17 | Loandepot.Com | D | 8 | 5 | 12.5% | 5.99% |
| 18 | Bank of America | F | 7 | 3 | 28.6% | 5.99% |
| 19 | Ross Mortgage | B | 7 | 3 | 0.0% | 6.75% |
| 20 | Coastal Community Bank | C | 7 | 2 | 0.0% | 9.24% |
| 21 | Crosscountry Mortgage | B | 6 | 4 | 0.0% | 7.12% |
| 22 | New Day Financial | F | 5 | 3 | 0.0% | 6.88% |
Best approval odds in Johnson County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Skyline National Bank | 52 | 5.8% |
| 2 | Eastman Credit Union | 55 | 40.0% |
What Johnson County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Johnson County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 402 | 172 | 26.9% | 6.75% | $150,000 |
| 2024 | 438 | 219 | 24.0% | 6.99% | $165,000 |
| 2025 | 550 | 295 | 18.6% | 6.50% | $175,000 |
Frequently asked questions
18.6% of applications in Johnson County were denied in 2025, against 17.1% statewide in Tennessee.
Eastman Credit Union, with 57 applications in 2025 and a denial rate of 38.6%.
The median mortgage application in Johnson County in 2025 was for $175,000; the median property value on originated loans was $305,000.