Largest lenders in Roane County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Vanderbilt Mortgage and Finance | F | 236 | 28 | 37.3% | 9.25% |
| 2 | Rocket Mortgage | C | 190 | 148 | 12.1% | 6.50% |
| 3 | Mortgage Investors Group | B | 180 | 129 | 4.4% | 6.63% |
| 4 | Ornl | C | 154 | 84 | 14.3% | 7.00% |
| 5 | United Shore Financial Services | B | 128 | 95 | 7.0% | 6.25% |
| 6 | Y-12 Federal Credit Union | C | 115 | 66 | 31.3% | 7.25% |
| 7 | Regions Bank | C | 98 | 48 | 34.7% | 4.99% |
| 8 | Knoxville Tva Employees Credit Union | A | 86 | 65 | 4.7% | 5.99% |
| 9 | Mortgage Research Center | C | 72 | 31 | 16.7% | 6.38% |
| 10 | Freedom Mortgage | B | 67 | 33 | 11.9% | 6.25% |
| 11 | Pennymac Loan Services | C | 57 | 31 | 7.0% | 5.99% |
| 12 | United Community Bank | B | 52 | 31 | 32.7% | 6.38% |
| 13 | U.S. Bank | D | 43 | 26 | 25.6% | 7.90% |
| 14 | Movement Mortgage | A | 43 | 27 | 2.3% | 6.53% |
| 15 | Fairway Independent Mortgage | B | 39 | 23 | 7.7% | 6.43% |
| 16 | Enrichment | B | 38 | 35 | 5.3% | 6.50% |
| 17 | Gateway First Bank | B | 38 | 26 | 2.6% | 6.63% |
| 18 | Knoxville Teachers Federal Credit Union | A | 36 | 35 | 0.0% | 7.24% |
| 19 | Newrez | D | 36 | 21 | 11.1% | 6.63% |
| 20 | Broker Solutions | D | 33 | 17 | 12.1% | 6.63% |
| 21 | Crosscountry Mortgage | B | 32 | 16 | 9.4% | 6.69% |
| 22 | Dhi Mortgage Company | B | 30 | 17 | 6.7% | 5.99% |
| 23 | American Financial Resources | B | 29 | 25 | 0.0% | 6.25% |
| 24 | Navy Federal Credit Union | D | 27 | 16 | 3.7% | 7.45% |
| 25 | First Horizon Bank | B | 25 | 14 | 28.0% | 7.32% |
Best approval odds in Roane County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Knoxville Tva Employees Credit Union | 74 | 5.4% |
| 2 | Mortgage Investors Group | 145 | 5.5% |
| 3 | United Shore Financial Services | 105 | 8.6% |
| 4 | Rocket Mortgage | 175 | 13.1% |
| 5 | Ornl | 134 | 16.4% |
| 6 | Y-12 Federal Credit Union | 104 | 34.6% |
| 7 | Regions Bank | 92 | 37.0% |
| 8 | Vanderbilt Mortgage and Finance | 119 | 74.0% |
What Roane County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Roane County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 2,454 | 1,323 | 21.2% | 6.88% | $165,000 |
| 2024 | 2,735 | 1,504 | 18.0% | 6.88% | $195,000 |
| 2025 | 3,000 | 1,729 | 16.6% | 6.63% | $205,000 |
Frequently asked questions
16.6% of applications in Roane County were denied in 2025, against 17.1% statewide in Tennessee.
Vanderbilt Mortgage and Finance, with 236 applications in 2025 and a denial rate of 37.3%.
The median mortgage application in Roane County in 2025 was for $205,000; the median property value on originated loans was $345,000.