Largest lenders in Obion County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Leaders Credit Union | C | 117 | 67 | 26.5% | 6.63% |
| 2 | Commercial Bank & Trust | B | 97 | 83 | 4.1% | — |
| 3 | First Citizens National Bank | C | 68 | 51 | 11.8% | 6.90% |
| 4 | Rocket Mortgage | C | 53 | 39 | 15.1% | 6.88% |
| 5 | Regions Bank | C | 48 | 19 | 45.8% | 4.99% |
| 6 | Simmons Bank | C | 47 | 34 | 12.8% | 5.43% |
| 7 | Vanderbilt Mortgage and Finance | F | 45 | 6 | 40.0% | 9.12% |
| 8 | 21st Mortgage | F | 37 | 6 | 37.8% | 9.83% |
| 9 | Bank3 | A | 30 | 29 | 3.3% | — |
| 10 | Mortgage Research Center | C | 27 | 16 | 14.8% | 6.25% |
| 11 | United Shore Financial Services | B | 24 | 20 | 8.3% | 6.17% |
| 12 | FirstBank | C | 22 | 4 | 40.9% | 9.00% |
| 13 | Security Bank and Trust | C | 20 | 18 | 0.0% | — |
| 14 | Freedom Mortgage | B | 20 | 8 | 15.0% | 6.25% |
| 15 | First Financial Bank | C | 20 | 13 | 25.0% | 6.13% |
| 16 | Pennymac Loan Services | C | 17 | 6 | 23.5% | 5.25% |
| 17 | First Community Mortgage | A | 15 | 11 | 0.0% | 6.13% |
| 18 | Coastal Community Bank | C | 15 | 2 | 0.0% | 12.24% |
| 19 | AmeriSave Mortgage | D | 13 | 2 | 69.2% | 6.38% |
| 20 | Newrez | D | 12 | 6 | 8.3% | 6.69% |
| 21 | Broker Solutions | D | 11 | 4 | 27.3% | 6.69% |
| 22 | Cadence Bank | B | 8 | 7 | 0.0% | 6.50% |
| 23 | New Day Financial | F | 8 | 1 | 25.0% | 7.25% |
| 24 | U. T. Federal Credit Union | C | 8 | 8 | 0.0% | 6.63% |
| 25 | Mckenzie Banking | – | 8 | 8 | 0.0% | — |
Best approval odds in Obion County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Commercial Bank & Trust | 90 | 4.4% |
| 2 | First Citizens National Bank | 61 | 13.1% |
| 3 | Leaders Credit Union | 100 | 31.0% |
What Obion County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Obion County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 853 | 496 | 24.3% | 7.00% | $95,000 |
| 2024 | 898 | 505 | 21.9% | 6.99% | $105,000 |
| 2025 | 999 | 578 | 18.4% | 6.55% | $125,000 |
Frequently asked questions
18.4% of applications in Obion County were denied in 2025, against 17.1% statewide in Tennessee.
Leaders Credit Union, with 117 applications in 2025 and a denial rate of 26.5%.
The median mortgage application in Obion County in 2025 was for $125,000; the median property value on originated loans was $195,000.