Largest lenders in Warren County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Homeland Community Bank | B | 112 | 93 | 14.3% | — |
| 2 | Rocket Mortgage | C | 109 | 73 | 22.0% | 6.49% |
| 3 | The First National Bank of Middle Tennessee | C | 93 | 60 | 15.1% | 6.63% |
| 4 | Citizens Tri-County Bank | C | 83 | 63 | 10.8% | 7.85% |
| 5 | Regions Bank | C | 75 | 43 | 32.0% | 4.99% |
| 6 | CMG Mortgage | A | 75 | 56 | 1.3% | 6.75% |
| 7 | United Shore Financial Services | B | 64 | 33 | 21.9% | 6.13% |
| 8 | 21st Mortgage | F | 57 | 4 | 54.4% | 10.79% |
| 9 | Ascend Federal Credit Union | C | 52 | 31 | 25.0% | 7.25% |
| 10 | Mortgage Research Center | C | 43 | 19 | 14.0% | 6.25% |
| 11 | Broker Solutions | D | 39 | 16 | 18.0% | 6.63% |
| 12 | FirstBank | C | 36 | 19 | 36.1% | 6.63% |
| 13 | Pennymac Loan Services | C | 35 | 11 | 14.3% | 5.99% |
| 14 | Freedom Mortgage | B | 35 | 15 | 5.7% | 6.25% |
| 15 | U.S. Bank | D | 34 | 17 | 32.4% | 8.35% |
| 16 | Renasant Bank | B | 30 | 30 | 0.0% | 6.25% |
| 17 | Vanderbilt Mortgage and Finance | F | 29 | 3 | 41.4% | 8.75% |
| 18 | Primis Mortgage | B | 24 | 16 | 8.3% | 6.56% |
| 19 | Navy Federal Credit Union | D | 22 | 13 | 9.1% | 6.00% |
| 20 | AmeriSave Mortgage | D | 21 | 3 | 76.2% | 6.13% |
| 21 | Crosscountry Mortgage | B | 18 | 11 | 5.6% | 6.75% |
| 22 | First Community Mortgage | A | 18 | 10 | 22.2% | 6.31% |
| 23 | Loandepot.Com | D | 15 | 4 | 53.3% | 5.93% |
| 24 | Spring Eq | D | 14 | 1 | 78.6% | 9.33% |
| 25 | Iserve Residential Lending | C | 12 | 10 | 16.7% | 6.44% |
Best approval odds in Warren County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | CMG Mortgage | 63 | 1.6% |
| 2 | Citizens Tri-County Bank | 75 | 12.0% |
| 3 | Homeland Community Bank | 110 | 14.6% |
| 4 | The First National Bank of Middle Tennessee | 75 | 18.7% |
| 5 | Rocket Mortgage | 97 | 24.7% |
| 6 | Regions Bank | 72 | 33.3% |
What Warren County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Warren County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 1,378 | 789 | 22.2% | 6.88% | $165,000 |
| 2024 | 1,368 | 813 | 16.5% | 6.75% | $185,000 |
| 2025 | 1,595 | 893 | 19.9% | 6.63% | $195,000 |
Frequently asked questions
19.9% of applications in Warren County were denied in 2025, against 17.1% statewide in Tennessee.
Homeland Community Bank, with 112 applications in 2025 and a denial rate of 14.3%.
The median mortgage application in Warren County in 2025 was for $195,000; the median property value on originated loans was $295,000.