Largest lenders in Morgan County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Vanderbilt Mortgage and Finance | F | 100 | 9 | 37.0% | 9.25% |
| 2 | Rocket Mortgage | C | 52 | 35 | 21.2% | 6.63% |
| 3 | Y-12 Federal Credit Union | C | 41 | 27 | 31.7% | 7.25% |
| 4 | 21st Mortgage | F | 39 | 8 | 48.7% | 9.36% |
| 5 | One Bank of Tennessee | B | 30 | 27 | 6.7% | 7.55% |
| 6 | Ornl | C | 28 | 15 | 7.1% | 7.75% |
| 7 | United Shore Financial Services | B | 26 | 17 | 3.9% | 6.13% |
| 8 | Mortgage Research Center | C | 22 | 14 | 9.1% | 6.19% |
| 9 | Mortgage Investors Group | B | 19 | 13 | 0.0% | 6.49% |
| 10 | Credit Human Federal Credit Union | D | 19 | 0 | 89.5% | — |
| 11 | SmartBank | B | 19 | 13 | 15.8% | 7.50% |
| 12 | Regions Bank | C | 18 | 7 | 55.6% | 6.88% |
| 13 | Knoxville Tva Employees Credit Union | A | 16 | 11 | 6.3% | 6.38% |
| 14 | FirstBank | C | 15 | 0 | 66.7% | — |
| 15 | Movement Mortgage | A | 15 | 10 | 0.0% | 6.44% |
| 16 | Southwest Stage Funding | F | 15 | 5 | 0.0% | 6.38% |
| 17 | AmeriSave Mortgage | D | 14 | 3 | 71.4% | 6.63% |
| 18 | Farm Credit Mid-America | D | 14 | 10 | 7.1% | 7.00% |
| 19 | Crosscountry Mortgage | B | 13 | 6 | 7.7% | 6.41% |
| 20 | Broker Solutions | D | 13 | 4 | 0.0% | 7.19% |
| 21 | American Financial Resources | B | 13 | 10 | 7.7% | 6.38% |
| 22 | Enrichment | B | 12 | 8 | 8.3% | 6.81% |
| 23 | Triad Financial Services | D | 9 | 0 | 55.6% | — |
| 24 | Coastal Community Bank | C | 9 | 5 | 0.0% | 13.49% |
| 25 | Stockton Mortgage | D | 8 | 5 | 12.5% | 6.50% |
What Morgan County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Morgan County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 745 | 343 | 27.3% | 7.00% | $125,000 |
| 2024 | 752 | 362 | 25.9% | 7.00% | $155,000 |
| 2025 | 820 | 389 | 23.5% | 6.75% | $155,000 |
Frequently asked questions
23.5% of applications in Morgan County were denied in 2025, against 17.1% statewide in Tennessee.
Vanderbilt Mortgage and Finance, with 100 applications in 2025 and a denial rate of 37.0%.
The median mortgage application in Morgan County in 2025 was for $155,000; the median property value on originated loans was $275,000.