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Williamson County, Tennessee · 2025

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

522 lenders acted on 13,232 mortgage applications for properties in Williamson County in 2025. 13.8% were denied (Tennessee: 17.1%). Median rate on closed loans 6.63%; median loan $445,000; median property value $925,000.

13kApplications
13.8%Denial ratestate 17.1%
6.63%Median ratestate 6.62%
$445,000Median loan
$925,000Median property value

Largest lenders in Williamson County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 United Shore Financial Services B 606453 10.7%6.30%
2 Rocket Mortgage C 589454 13.4%6.63%
3 Regions Bank C 550323 21.8%4.99%
4 FirstBank C 474393 6.8%7.00%
5 Bank of America F 422220 22.0%5.69%
6 Fifth Third Bank D 369197 25.2%7.55%
7 CMG Mortgage A 311201 2.3%6.75%
8 Pinnacle Bank B 278185 14.8%7.00%
9 U.S. Bank D 275147 25.8%7.70%
10 Legacy Home Loans A 275230 0.7%6.50%
11 Truist Bank C 266133 36.1%6.19%
12 First Horizon Bank B 261177 25.3%7.25%
13 JPMorgan Chase Bank B 241153 8.7%6.25%
14 Guaranteed Rate B 236121 4.7%6.45%
15 Crosscountry Mortgage B 229140 6.1%6.79%
16 Liberty B 205155 8.3%7.25%
17 Ascend Federal Credit Union C 204121 18.1%7.25%
18 Pennymac Loan Services C 189108 7.9%6.12%
19 Cadence Bank B 186129 17.2%7.39%
20 Old National Bank B 180128 10.0%6.13%
21 Spring Eq D 17366 42.8%8.76%
22 Jet Homeloans A 17299 1.2%6.06%
23 Loandepot.Com D 15294 16.5%5.99%
24 Churchill Mortgage B 141100 0.0%6.63%
25 Newrez D 13746 12.4%6.50%

Best approval odds in Williamson County

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

#LenderDecidedDecision denial rate
1Primis Mortgage690.0%
2Churchill Mortgage1060.0%
3Legacy Home Loans2320.9%
4Movement Mortgage611.6%
5Jet Homeloans1061.9%
6Fairway Independent Mortgage673.0%
7Coastal Community Bank993.0%
8CMG Mortgage2303.0%
9Broker Solutions523.9%
10Volunteer State Bank685.9%

What Williamson County borrowers applied for

By loan purpose

Home purchase 5,509 42% · 5.4% denied
Refinance 2,575 19% · 15.5% denied
Cash-out refinance 1,804 14% · 17.5% denied
Home improvement 1,472 11% · 24.4% denied
Other / HELOC 1,872 14% · 24.1% denied

By loan type

Conventional 11,999 91% · 13.8% denied
FHA 728 6% · 15.4% denied
VA 500 4% · 10.6% denied
USDA / RHS 5 0% · 0.0% denied

Why applications were denied

Debt-to-income ratio 807 45%
Credit history 291 16%
Incomplete application 252 14%
Collateral 191 11%
Other 127 7%
Unverifiable information 77 4%
Insufficient cash 47 3%
Employment history 13 1%
Mortgage insurance denied 1 0%

Williamson County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
202310,9356,79115.8%6.99%$375,000
202411,1387,02014.4%6.99%$415,000
202513,2328,20813.8%6.63%$445,000

Frequently asked questions

13.8% of applications in Williamson County were denied in 2025, against 17.1% statewide in Tennessee.

United Shore Financial Services, with 606 applications in 2025 and a denial rate of 10.7%.

The median mortgage application in Williamson County in 2025 was for $445,000; the median property value on originated loans was $925,000.