Largest lenders in Smith County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Citizens Bank | A | 87 | 83 | 0.0% | — |
| 2 | Wilson Bank and Trust | C | 73 | 54 | 5.5% | 6.99% |
| 3 | Rocket Mortgage | C | 61 | 36 | 24.6% | 6.50% |
| 4 | United Shore Financial Services | B | 50 | 38 | 4.0% | 6.10% |
| 5 | Mortgage Research Center | C | 32 | 20 | 15.6% | 6.25% |
| 6 | Citizens Bank of Lafayette | A | 27 | 27 | 0.0% | 7.50% |
| 7 | Success Mortgage Partners | B | 22 | 20 | 0.0% | 6.63% |
| 8 | Freedom Mortgage | B | 21 | 6 | 9.5% | 6.56% |
| 9 | FirstBank | C | 19 | 12 | 21.1% | 6.31% |
| 10 | Interlinc Mortgage Services | B | 19 | 14 | 10.5% | 6.75% |
| 11 | 21st Mortgage | F | 17 | 2 | 64.7% | 9.27% |
| 12 | American Pacific Mortgage | C | 17 | 14 | 0.0% | 6.50% |
| 13 | Pennymac Loan Services | C | 16 | 8 | 6.3% | 5.87% |
| 14 | Farm Credit Mid-America | D | 16 | 11 | 12.5% | 7.00% |
| 15 | AmeriSave Mortgage | D | 15 | 6 | 46.7% | 7.38% |
| 16 | Union Home Mortgage | B | 15 | 11 | 6.7% | 6.63% |
| 17 | Vanderbilt Mortgage and Finance | F | 14 | 5 | 14.3% | 8.25% |
| 18 | Crosscountry Mortgage | B | 13 | 5 | 7.7% | 6.25% |
| 19 | CMG Mortgage | A | 13 | 7 | 0.0% | 7.38% |
| 20 | Newrez | D | 12 | 6 | 8.3% | 6.06% |
| 21 | Mortgage Investors Group | B | 11 | 7 | 0.0% | 6.63% |
| 22 | Lakeview Loan Servicing | C | 10 | 3 | 50.0% | 7.25% |
| 23 | Primis Mortgage | B | 10 | 8 | 0.0% | 6.50% |
| 24 | Guaranteed Rate | B | 9 | 2 | 11.1% | 7.03% |
| 25 | New Day Financial | F | 9 | 1 | 0.0% | 7.25% |
Best approval odds in Smith County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Citizens Bank | 86 | 0.0% |
| 2 | Wilson Bank and Trust | 69 | 5.8% |
| 3 | Rocket Mortgage | 53 | 28.3% |
What Smith County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Smith County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 855 | 532 | 14.6% | 6.98% | $185,000 |
| 2024 | 813 | 519 | 14.2% | 6.88% | $205,000 |
| 2025 | 926 | 567 | 13.9% | 6.63% | $235,000 |
Frequently asked questions
13.9% of applications in Smith County were denied in 2025, against 17.1% statewide in Tennessee.
Citizens Bank, with 87 applications in 2025 and a denial rate of 0.0%.
The median mortgage application in Smith County in 2025 was for $235,000; the median property value on originated loans was $345,000.