Largest lenders in Union County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Vanderbilt Mortgage and Finance | F | 122 | 20 | 32.0% | 9.75% |
| 2 | Dhi Mortgage Company | B | 50 | 34 | 10.0% | 6.25% |
| 3 | Rocket Mortgage | C | 48 | 28 | 27.1% | 6.63% |
| 4 | Ornl | C | 44 | 24 | 11.4% | 7.06% |
| 5 | Mortgage Investors Group | B | 40 | 27 | 2.5% | 6.50% |
| 6 | Knoxville Tva Employees Credit Union | A | 32 | 25 | 9.4% | 5.88% |
| 7 | United Shore Financial Services | B | 31 | 23 | 3.2% | 6.50% |
| 8 | 21st Mortgage | F | 27 | 6 | 51.9% | 8.96% |
| 9 | Mortgage Research Center | C | 24 | 10 | 20.8% | 6.25% |
| 10 | Freedom Mortgage | B | 21 | 10 | 23.8% | 6.06% |
| 11 | Commercial Bank | B | 20 | 16 | 5.0% | 6.78% |
| 12 | Triad Financial Services | D | 20 | 5 | 70.0% | 9.26% |
| 13 | First Century Bank | B | 18 | 11 | 22.2% | — |
| 14 | FirstBank | C | 16 | 2 | 75.0% | 8.25% |
| 15 | Crosscountry Mortgage | B | 15 | 6 | 6.7% | 6.48% |
| 16 | First Community Mortgage | A | 15 | 11 | 0.0% | 6.25% |
| 17 | Newrez | D | 15 | 4 | 20.0% | 6.31% |
| 18 | Broker Solutions | D | 15 | 4 | 13.3% | 6.87% |
| 19 | Y-12 Federal Credit Union | C | 15 | 8 | 33.3% | 7.75% |
| 20 | Home Federal Bank of Tennessee | B | 15 | 13 | 13.3% | 6.00% |
| 21 | Hearthside Bank | C | 15 | 12 | 0.0% | — |
| 22 | AmeriSave Mortgage | D | 14 | 6 | 50.0% | 6.75% |
| 23 | Credit Human Federal Credit Union | D | 14 | 0 | 71.4% | — |
| 24 | American Pacific Mortgage | C | 13 | 11 | 0.0% | 6.75% |
| 25 | Southwest Stage Funding | F | 13 | 1 | 7.7% | 10.20% |
Best approval odds in Union County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Vanderbilt Mortgage and Finance | 67 | 58.2% |
What Union County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Union County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 798 | 403 | 22.2% | 6.99% | $175,000 |
| 2024 | 970 | 510 | 22.9% | 6.63% | $185,000 |
| 2025 | 1,051 | 536 | 19.6% | 6.50% | $195,000 |
Frequently asked questions
19.6% of applications in Union County were denied in 2025, against 17.1% statewide in Tennessee.
Vanderbilt Mortgage and Finance, with 122 applications in 2025 and a denial rate of 32.0%.
The median mortgage application in Union County in 2025 was for $195,000; the median property value on originated loans was $315,000.