Home purchase lenders in Hamilton County
5,040 home purchase mortgages were made in Hamilton County, Tennessee, in 2025, by 406 lenders. The median rate their borrowers got was 6.551% on a median loan of $305,000. Of 5,904 decisions, 628 were denials — 10.6%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| FirstBank | 333 | 6.625% | $335,000 | 5.3% |
| MOVEMENT MORTGAGE, LLC | 278 | 6.625% | $315,000 | 2.8% |
| CMG MORTGAGE, INC. | 270 | 6.625% | $305,000 | 2.0% |
| UNION HOME MORTGAGE CORP. | 263 | 6.500% | $275,000 | 2.6% |
| TENNESSEE VALLEY FCU | 248 | 5.636% | $310,000 | 13.2% |
| SUMMIT FUNDING, INC. | 153 | 6.990% | $265,000 | 6.0% |
| Rocket Mortgage, LLC | 145 | 6.500% | $305,000 | 12.4% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 141 | 6.375% | $365,000 | 7.7% |
| ALAMEDA MORTGAGE CORPORATION | 125 | 6.750% | $275,000 | 0.0% |
| Kiavi Funding, Inc. | 118 | 10.490% | $205,000 | 9.9% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 111 | 6.624% | $305,000 | 0.0% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 108 | 6.490% | $305,000 | 3.8% |
| MORTGAGE INVESTORS GROUP, INC. | 107 | 6.625% | $305,000 | 1.8% |
| Pinnacle Bank | 104 | 6.375% | $335,000 | 7.8% |
| DHI MORTGAGE COMPANY, LTD. | 100 | 5.750% | $345,000 | 12.7% |
| Mortgage Research Center, LLC | 87 | 6.250% | $325,000 | 8.4% |
| CROSSCOUNTRY MORTGAGE, INC. | 78 | 6.719% | $325,000 | 3.7% |
| Truist Bank | 75 | 6.250% | $295,000 | 15.7% |
| Loandepot.Com, LLC | 73 | 5.500% | $315,000 | 3.9% |
| SmartBank | 73 | 6.625% | $325,000 | 2.3% |
| First Horizon Bank | 66 | 6.438% | $360,000 | 5.7% |
| JPMorgan Chase Bank, National Association | 64 | 6.375% | $315,000 | 5.6% |
| Regions Bank | 62 | 6.375% | $275,000 | 13.8% |
| SouthEast Bank | 53 | 7.650% | $255,000 | 7.9% |
| UNITED NORTHERN MORTGAGE BANKERS LIMITED | 46 | 5.990% | $395,000 | 4.2% |
| Navy Federal Credit Union | 45 | 6.125% | $345,000 | 8.0% |
| LEADERONE FINANCIAL CORPORATION | 42 | 6.750% | $310,000 | 19.2% |
| Broker Solutions, Inc. | 39 | 6.625% | $275,000 | 2.5% |
| CANOPY MORTGAGE, LLC | 37 | 6.625% | $375,000 | 5.0% |
| COMMUNITY MORTGAGE CORPORATION | 35 | 6.624% | $335,000 | 0.0% |
| GUILD MORTGAGE COMPANY | 34 | 6.813% | $225,000 | 7.9% |
| PENNYMAC LOAN SERVICES, LLC | 32 | 6.187% | $310,000 | 13.2% |
| Cadence Bank | 30 | 6.563% | $380,000 | 16.2% |
| FIRST COMMUNITY MORTGAGE, INC. | 30 | 6.500% | $255,000 | 3.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 29 | 8.750% | $165,000 | 78.1% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 29 | 6.500% | $305,000 | 8.3% |
| Capital City Home Loans, LLC | 29 | 6.750% | $405,000 | 0.0% |
| NFM, INC. | 27 | 6.750% | $315,000 | 0.0% |
| Citizens Tri-County Bank | 27 | 6.990% | $165,000 | 12.5% |
| RockPointBank, National Association | 26 | Not published | $505,000 | 0.0% |
| LENNAR MORTGAGE, LLC | 25 | 4.750% | $255,000 | 13.8% |
| Bank of America, National Association | 22 | 6.063% | $340,000 | 25.8% |
| CHURCHILL MORTGAGE CORPORATION | 22 | 6.688% | $220,000 | 0.0% |
| EUSTIS MORTGAGE CORPORATION | 22 | 6.495% | $255,000 | 4.4% |
| First Citizens National Bank | 22 | 6.813% | $375,000 | 8.3% |
| DEEPHAVEN MORTGAGE LLC | 22 | 7.313% | $225,000 | 8.3% |
| Mortgage Right | 21 | 6.500% | $275,000 | 0.0% |
| GUARANTEED RATE, INC. | 20 | 6.513% | $285,000 | 4.8% |
| USAA Federal Savings Bank | 20 | 6.125% | $360,000 | 25.9% |
| Tomo Mortgage, LLC | 20 | 6.563% | $340,000 | 4.8% |
| U.S. Bank National Association | 20 | 6.438% | $300,000 | 4.8% |
| Fairway Independent Mortgage Corporation | 19 | 6.625% | $265,000 | 0.0% |
| BANKSOUTH MORTGAGE COMPANY, LLC | 19 | 6.125% | $335,000 | 0.0% |
| THE LOAN STORE, INC. | 18 | 6.625% | $295,000 | 4.8% |
| KIND LENDING, LLC | 18 | 6.438% | $345,000 | 14.3% |
| Builtwell Bank | 18 | Not published | $380,000 | 10.0% |
| Legends Bank | 18 | 6.688% | $275,000 | 0.0% |
| WILSON BANK AND TRUST | 17 | 7.250% | $395,000 | 0.0% |
| Presidential Bank, FSB | 16 | 6.625% | $375,000 | 15.8% |
| STOCKTON MORTGAGE CORPORATION | 16 | 6.625% | $300,000 | 5.9% |
| ZILLOW HOME LOANS, LLC | 14 | 6.438% | $280,000 | 0.0% |
| Wells Fargo Bank, National Association | 13 | 6.250% | $325,000 | 23.5% |
| GUARANTY MORTGAGE SERVICES, L.L.C. | 13 | 6.375% | $375,000 | 0.0% |
| NEWREZ LLC | 13 | 6.750% | $385,000 | 0.0% |
| United Community Bank | 13 | 6.625% | $385,000 | 13.3% |
| Renasant Bank | 12 | 6.500% | $300,000 | 14.3% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 12 | 5.995% | $435,000 | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 11 | 9.600% | $45,000 | 56.5% |
| SOFI BANK, NATIONAL ASSOCIATION | 11 | 6.490% | $305,000 | 15.4% |
| Synovus Bank | 11 | 6.500% | $375,000 | 8.3% |
| Morgan Stanley Private Bank, National Association | 11 | 6.050% | $545,000 | 6.7% |
| First Financial Bank, National Association | 11 | 6.625% | $305,000 | 15.4% |
| MOUNTAIN VALLEY BANK | 11 | Not published | $95,000 | 0.0% |
| MILLENNIUM BANK | 11 | Not published | $345,000 | 0.0% |
| Click n' Close, Inc. | 10 | 7.063% | $215,000 | 16.7% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 10 | 6.370% | $360,000 | 0.0% |
| Liberty | 10 | 6.500% | $230,000 | 0.0% |
| CHATTANOOGA AREA SCHOOLS FEDERAL CREDIT UNION | 10 | Not published | $285,000 | 0.0% |
| 21st Mortgage Corporation | 9 | Under 10 loans | Under 10 loans | 82.0% |
| Loan Funder LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 9 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 9 | Under 10 loans | Under 10 loans | 18.2% |
| AMERICAN FINANCIAL RESOURCES, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONSTAR MORTGAGE LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Andrew Johnson Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Fifth Third Bank, National Association | 7 | Under 10 loans | Under 10 loans | 22.2% |
| Raymond James Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| UBS Bank USA | 7 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 6 | Under 10 loans | Under 10 loans | 25.0% |
| BETTER MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 14.3% |
| NBKC BANK | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Ixonia Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 6 | Under 10 loans | Under 10 loans | 25.0% |
| PLANET HOME LENDING, LLC | 6 | Under 10 loans | Under 10 loans | 25.0% |
| REDSTONE Federal Credit Union | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Ameris Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| SIRVA MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Old National Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| MORTGAGE ACCESS CORP. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| BAY EQUITY LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Legacy Home Loans, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| TRUST Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Primis Mortgage Company | 4 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 4 | Under 10 loans | Under 10 loans | 14.3% |
| EASTMAN CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 33.3% |
| SWBC MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Chattanooga Federal Employees Credit Union | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Southern Bancorp Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| First-Citizens Bank & Trust Company | 4 | Under 10 loans | Under 10 loans | 16.7% |
| Cornerstone First Mortgage, Inc | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Barrington Bank & Trust Company, National Association | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Prosperity Home Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| KNOXVILLE TVA EMPLOYEES CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| THE MORTGAGE FIRM, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Studio Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Cleveland | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 3 | Under 10 loans | Under 10 loans | 25.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Farm Credit Mid-America | 3 | Under 10 loans | Under 10 loans | 25.0% |
| The First National Bank of Middle Tennessee | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Assurance Financial Group, L.L.C. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGEONE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ABSOLUTE HOME MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Simple, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ENVOY MORTGAGE, LTD | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FLAT BRANCH MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 3 | Under 10 loans | Under 10 loans | 25.0% |
| GO MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| COLONY BANK | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Investmark Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| American Airlines Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Simmons Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ASCEND FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Tower Community Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 3 | Under 10 loans | Under 10 loans | 0.0% |
| COREVEST AMERICAN FINANCE LENDER LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CU COMMUNITY, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LoanUnited.com, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| STATE EMPLOYEES' | 3 | Under 10 loans | Under 10 loans | 0.0% |
| THE ANDERSON FINANCIAL GROUP, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTHWEST STAGE FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MICHIGAN MUTUAL, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PNC Bank, National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Discover Bank | 2 | Under 10 loans | Under 10 loans | 66.7% |
| AMERICAN INTERNET MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| VAN DYK MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| LIMA ONE CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| CLEAREDGE LENDING LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Trustmark National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Empeople Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AML FUNDING LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CedarStone Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FEDERAL MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Farmers Bank & Trust | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bell Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Apex Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PIKE CREEK MORTGAGE SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 9845005BP6974AE5D838 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Beeline Loans, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| KeyBank National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE ASSURANCE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 254900K39SBWA2QOUF69 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CSL Financial, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TOP FLITE FINANCIAL, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Y-12 Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 206 lenders each made 2 or fewer mortgages here, and are counted in the totals above.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.