Largest lenders in Sequatchie County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Vanderbilt Mortgage and Finance | F | 81 | 5 | 35.8% | 10.25% |
| 2 | Rocket Mortgage | C | 71 | 43 | 26.8% | 6.88% |
| 3 | Citizens Tri-County Bank | C | 64 | 49 | 7.8% | 7.50% |
| 4 | Tennessee Valley FCU | D | 38 | 25 | 15.8% | 7.12% |
| 5 | 21st Mortgage | F | 36 | 6 | 63.9% | 11.47% |
| 6 | United Shore Financial Services | B | 36 | 30 | 5.6% | 6.07% |
| 7 | FirstBank | C | 22 | 16 | 9.1% | 6.56% |
| 8 | Regions Bank | C | 20 | 8 | 25.0% | 6.81% |
| 9 | Mortgage Research Center | C | 20 | 11 | 20.0% | 6.50% |
| 10 | Mountain Valley Bank | – | 18 | 12 | 27.8% | — |
| 11 | Union Home Mortgage | B | 16 | 15 | 0.0% | 6.38% |
| 12 | Freedom Mortgage | B | 16 | 4 | 12.5% | 5.75% |
| 13 | Pennymac Loan Services | C | 13 | 5 | 15.4% | 5.75% |
| 14 | Mortgage Investors Group | B | 13 | 8 | 7.7% | 6.38% |
| 15 | Broker Solutions | D | 13 | 5 | 7.7% | 7.25% |
| 16 | AmeriSave Mortgage | D | 12 | 3 | 75.0% | 8.38% |
| 17 | CMG Mortgage | A | 11 | 8 | 9.1% | 6.74% |
| 18 | Summit Funding | C | 11 | 7 | 0.0% | 6.99% |
| 19 | Mortgage Right | C | 11 | 7 | 0.0% | 6.25% |
| 20 | Crosscountry Mortgage | B | 9 | 3 | 22.2% | 4.88% |
| 21 | Mutual of Omaha Mortgage | C | 9 | 6 | 0.0% | 6.88% |
| 22 | Newrez | D | 9 | 5 | 11.1% | 6.13% |
| 23 | Truist Bank | C | 8 | 5 | 25.0% | 6.98% |
| 24 | Southwest Stage Funding | F | 8 | 2 | 25.0% | 5.63% |
| 25 | Bank of America | F | 7 | 2 | 57.1% | 5.99% |
Best approval odds in Sequatchie County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Citizens Tri-County Bank | 59 | 8.5% |
| 2 | Rocket Mortgage | 66 | 28.8% |
What Sequatchie County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Sequatchie County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 634 | 319 | 19.7% | 7.09% | $165,000 |
| 2024 | 724 | 372 | 22.1% | 6.99% | $185,000 |
| 2025 | 813 | 437 | 20.8% | 6.63% | $205,000 |
Frequently asked questions
20.8% of applications in Sequatchie County were denied in 2025, against 17.1% statewide in Tennessee.
Vanderbilt Mortgage and Finance, with 81 applications in 2025 and a denial rate of 35.8%.
The median mortgage application in Sequatchie County in 2025 was for $205,000; the median property value on originated loans was $345,000.