Find a better mortgage lender

Rutherford County, Tennessee · 2025

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

461 lenders acted on 15,748 mortgage applications for properties in Rutherford County in 2025. 16.0% were denied (Tennessee: 17.1%). Median rate on closed loans 6.50%; median loan $285,000; median property value $435,000.

16kApplications
16.0%Denial ratestate 17.1%
6.50%Median ratestate 6.62%
$285,000Median loan
$435,000Median property value

Largest lenders in Rutherford County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Rocket Mortgage C 878662 13.0%6.63%
2 Ascend Federal Credit Union C 740478 17.7%7.50%
3 United Shore Financial Services B 664475 10.5%6.00%
4 CMG Mortgage A 605476 2.3%6.50%
5 Regions Bank C 490253 32.0%4.99%
6 Pinnacle Bank B 477338 13.0%6.50%
7 FirstBank C 445374 7.0%6.75%
8 Primis Mortgage B 374266 2.4%6.49%
9 First Community Mortgage A 368287 5.7%6.25%
10 Freedom Mortgage B 354158 6.5%6.25%
11 Pennymac Loan Services C 318163 10.1%6.00%
12 REDSTONE Federal Credit Union C 317171 26.8%8.13%
13 Loandepot.Com D 314218 19.4%4.99%
14 Bank of America F 293132 31.7%6.24%
15 Wilson Bank and Trust C 282191 14.5%7.19%
16 U.S. Bank D 277121 43.0%7.49%
17 NVR Mortgage Finance B 243192 14.0%5.99%
18 Fifth Third Bank D 220104 36.4%7.78%
19 Spring Eq D 21978 46.1%8.46%
20 Truist Bank C 20999 38.3%6.75%
21 Crosscountry Mortgage B 197130 5.1%6.58%
22 Broker Solutions D 19576 6.2%6.63%
23 Newrez D 19455 17.5%6.25%
24 Navy Federal Credit Union D 19297 22.4%7.65%
25 Swbc Mortgage A 185134 4.9%6.63%

Best approval odds in Rutherford County

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

#LenderDecidedDecision denial rate
1Legacy Home Loans780.0%
2Coastal Community Bank1270.8%
3Movement Mortgage752.7%
4CMG Mortgage5172.7%
5Primis Mortgage2753.3%
6Trailblazer Mortgage874.6%
7Ameris Bank506.0%
8First Community Mortgage3426.1%
9Swbc Mortgage1466.2%
10The First National Bank of Middle Tennessee1416.4%

What Rutherford County borrowers applied for

By loan purpose

Home purchase 7,028 45% · 8.6% denied
Refinance 2,434 15% · 14.6% denied
Cash-out refinance 2,943 19% · 17.8% denied
Home improvement 1,381 9% · 30.4% denied
Other / HELOC 1,962 12% · 31.2% denied

By loan type

Conventional 11,191 71% · 17.2% denied
FHA 3,039 19% · 14.4% denied
VA 1,454 9% · 10.5% denied
USDA / RHS 64 0% · 1.6% denied

Why applications were denied

Debt-to-income ratio 893 36%
Credit history 652 26%
Incomplete application 342 14%
Collateral 258 10%
Other 167 7%
Unverifiable information 90 4%
Insufficient cash 70 3%
Employment history 35 1%

Rutherford County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
202314,8638,95118.2%6.75%$265,000
202415,2219,27816.9%6.69%$285,000
202515,7489,51816.0%6.50%$285,000

Frequently asked questions

16.0% of applications in Rutherford County were denied in 2025, against 17.1% statewide in Tennessee.

Rocket Mortgage, with 878 applications in 2025 and a denial rate of 13.0%.

The median mortgage application in Rutherford County in 2025 was for $285,000; the median property value on originated loans was $435,000.