Mortgage lenders in Madison County
2,166 mortgages were made in Madison County, Tennessee, in 2025, by 261 lenders. The median rate their borrowers got was 6.600% on a median loan of $185,000. Of 3,009 decisions, 714 were denials — 23.7%, most often for credit history.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Leaders Credit Union | 458 | 6.495% | $145,000 | 15.6% |
| Rocket Mortgage, LLC | 137 | 6.625% | $185,000 | 18.3% |
| Cadence Bank | 128 | 7.490% | $135,000 | 25.3% |
| Regions Bank | 124 | 4.990% | $80,000 | 45.3% |
| FirstBank | 97 | 6.875% | $185,000 | 13.3% |
| FIRST COMMUNITY MORTGAGE, INC. | 72 | 6.250% | $255,000 | 7.8% |
| Commercial Bank & Trust Co. | 72 | Not published | $170,000 | 3.9% |
| MORTGAGE INVESTORS GROUP, INC. | 70 | 6.490% | $270,000 | 2.7% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 65 | 5.999% | $245,000 | 23.3% |
| Simmons Bank | 61 | 6.250% | $200,000 | 24.4% |
| Centennial Bank | 50 | Not published | $230,000 | 1.9% |
| Community Bank | 50 | Not published | $145,000 | 0.0% |
| Mortgage Research Center, LLC | 38 | 6.375% | $270,000 | 33.3% |
| PENNYMAC LOAN SERVICES, LLC | 30 | 6.058% | $260,000 | 20.5% |
| DHI MORTGAGE COMPANY, LTD. | 27 | 4.990% | $315,000 | 3.6% |
| Decatur County Bank | 26 | Not published | $155,000 | 16.1% |
| Carroll Bank and Trust | 22 | Not published | $155,000 | 0.0% |
| Navy Federal Credit Union | 21 | 6.250% | $225,000 | 22.2% |
| FREEDOM MORTGAGE CORPORATION | 20 | 6.125% | $250,000 | 13.0% |
| First Citizens National Bank | 19 | 6.950% | $165,000 | 9.5% |
| First Horizon Bank | 18 | 7.250% | $225,000 | 38.2% |
| First South Financial Federally Insured State-Chartered Credit Union | 18 | 1.990% | $105,000 | 14.3% |
| MCKENZIE BANKING COMPANY | 18 | Not published | $215,000 | 21.7% |
| NEWREZ LLC | 16 | 6.250% | $270,000 | 36.0% |
| JPMorgan Chase Bank, National Association | 13 | 6.500% | $175,000 | 0.0% |
| NATIONSTAR MORTGAGE LLC | 13 | 7.490% | $225,000 | 18.8% |
| AmeriSave Mortgage Corporation | 12 | 6.500% | $155,000 | 70.0% |
| Fairway Independent Mortgage Corporation | 12 | 6.688% | $185,000 | 7.7% |
| NEW DAY FINANCIAL, LLC | 10 | 6.990% | $260,000 | 56.5% |
| Legends Bank | 10 | 6.625% | $265,000 | 9.1% |
| The Peoples Bank | 10 | Not published | $125,000 | 0.0% |
| Broker Solutions, Inc. | 8 | Under 10 loans | Under 10 loans | 42.9% |
| SPRING EQ, LLC | 8 | Under 10 loans | Under 10 loans | 61.9% |
| Citizens Bank, National Association | 8 | Under 10 loans | Under 10 loans | 38.5% |
| Click n' Close, Inc. | 8 | Under 10 loans | Under 10 loans | 8.3% |
| INSOUTH Bank | 8 | Under 10 loans | Under 10 loans | 11.1% |
| GUARANTEED RATE, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 7 | Under 10 loans | Under 10 loans | 80.8% |
| Coastal Community Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| GoodLeap, LLC | 7 | Under 10 loans | Under 10 loans | 47.1% |
| Loandepot.Com, LLC | 7 | Under 10 loans | Under 10 loans | 42.9% |
| AMERIHOME MORTGAGE COMPANY, LLC | 7 | Under 10 loans | Under 10 loans | 11.1% |
| SECURITY BANK AND TRUST COMPANY | 7 | Under 10 loans | Under 10 loans | 12.5% |
| AMWEST FUNDING CORP. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| FIGURE LENDING LLC | 6 | Under 10 loans | Under 10 loans | 45.0% |
| Luminate Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| U.S. Bank National Association | 6 | Under 10 loans | Under 10 loans | 38.5% |
| CROSSCOUNTRY MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 33.3% |
| Bank of Crockett | 6 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 5 | Under 10 loans | Under 10 loans | 16.7% |
| 254900M2C4Q6DATP2889 | 5 | Under 10 loans | Under 10 loans | 44.4% |
| LAKEVIEW LOAN SERVICING, LLC | 5 | Under 10 loans | Under 10 loans | 50.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 40.0% |
| LOWER, LLC | 5 | Under 10 loans | Under 10 loans | 28.6% |
| CMG MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Primis Mortgage Company | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 4 | Under 10 loans | Under 10 loans | 63.2% |
| AMERICAN FINANCIAL RESOURCES, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| 984500RF83EA742B5589 | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Lendage, LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Orion Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| THE LOAN STORE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| First Community Bank of the Heartland, Inc | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 4 | Under 10 loans | Under 10 loans | 0.0% |
| The First National Bank of Middle Tennessee | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 4 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 90.9% |
| VILLAGE CAPITAL & INVESTMENT LLC | 3 | Under 10 loans | Under 10 loans | 33.3% |
| Equity Prime Mortgage LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| STOCKTON MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Wells Fargo Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ZILLOW HOME LOANS, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Farm Credit Mid-America | 3 | Under 10 loans | Under 10 loans | 25.0% |
| SECURITY BANK | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Brighton Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CB&S Bank, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BankTennessee | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Bank3 | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GUILD MORTGAGE COMPANY | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CORNERSTONE CAPITAL BANK, SSB | 3 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 2 | Under 10 loans | Under 10 loans | 85.7% |
| SUN WEST MORTGAGE COMPANY, INC. | 2 | Under 10 loans | Under 10 loans | 20.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Bank of America, National Association | 2 | Under 10 loans | Under 10 loans | 71.4% |
| BETTER MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 50.0% |
| PNC Bank, National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| AMERICAN FINANCIAL NETWORK, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 254900CTT87ZKAUTIJ37 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| PENTAGON FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TRADITIONAL MORTGAGE ACCEPTANCE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| QUORUM FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| RIGHT START MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Beeline Loans, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMERCE BANK | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Peoples Bank of Alabama | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 5493004T38NMC864VL66 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Bank of Fayette County | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTHWEST FUNDING, LP | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Home Loans, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NMSI, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Memphis City Employees Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ASCEND FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CORNERSTONE FINANCIAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| COMMUNITY MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CONSUMER REAL ESTATE FINANCE CO. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Alcova Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Baxter Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Paragon Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Funder LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Truist Bank | 1 | Under 10 loans | Under 10 loans | 80.0% |
| AMERICAN FINANCING CORPORATION | 1 | Under 10 loans | Under 10 loans | 25.0% |
| The Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Evolve Bank & Trust | 1 | Under 10 loans | Under 10 loans | 50.0% |
| MISSION LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| United Community Bank | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Synergy One Lending, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NQM FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Honor Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| BMO Bank National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| GUARANTEED RATE AFFINITY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOP FLITE FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOPE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ENDEAVOR CAPITAL, LLC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Patriot Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| KIND LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CU COMMUNITY, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| FINANCE OF AMERICA REVERSE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CITIZENS EQUITY FIRST | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First-Citizens Bank & Trust Company | 1 | Under 10 loans | Under 10 loans | 50.0% |
| FIRSTTRUST HOME LOANS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Security Bank, Batesville, Mississippi | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FRANKLIN LOAN CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Commercial Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PRIDE BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BAY-VALLEY MORTGAGE GROUP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CAKE MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Legacy Home Loans, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Right | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Independence Bank of Kentucky | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROSS MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Community Bank of Mississippi | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Wolfe Financial, Inc | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Kiavi Funding, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Liberty | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Toyota Financial Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERITRUST MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Old National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LIBERTY HOME MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Financial Federal Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Pinnacle Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EASTMAN CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE ACCESS CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Waterstone Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Five Star Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| INB, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Wings Financial Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Southern Bancorp Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Community National Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GoPrime Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Independent Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 1 | Under 10 loans | Under 10 loans | 0.0% |
| STATE EMPLOYEES' | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Ixonia Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Southeast Financial | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bell Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DELTA COMMUNITY CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOGETHER CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CONSTRUCTIVE LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DIRECTIONS EQUITY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GTE Federal Credit Union | 1 | 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 61 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
Bank branches in Madison County
36 FDIC-insured branches from 17 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Regions Bank | 6 | $465.8 million |
| The Huntington National Bank | 5 | $545.2 million |
| Centennial Bank | 4 | $199.0 million |
| FirstBank | 3 | $389.5 million |
| Simmons Bank | 3 | $203.9 million |
| Commercial Bank & Trust Co. | 3 | $161.1 million |
| First Horizon Bank | 2 | $290.2 million |
| Decatur County Bank | 1 | $107.8 million |
| Community Bank | 1 | $49.6 million |
| The Park National Bank | 1 | $36.5 million |
| Foundation Bank | 1 | $25.2 million |
| INSOUTH Bank | 1 | $11.0 million |
| Security Bank and Trust Company | 1 | $7.6 million |
| Paragon Bank | 1 | $2.3 million |
| Bank3 | 1 | $2.3 million |
| FSNB, National Association | 1 | $2.0 million |
| Carroll Bank and Trust | 1 | $1.1 million |
Closed since the 2025 survey
9 branches in the 2025 survey have no 2026 row: closed, sold, or moved.
- Cadence Bank, 1000 Union University Dr, Jackson
- Cadence Bank, 1411 N Highland Ave, Jackson
- Cadence Bank, 1434 S Highland Ave, Jackson
- Cadence Bank, 2850 N Highland Ave, Jackson
- Cadence Bank, 301 E Main St, Jackson
- First Citizens National Bank, 381 Walker Rd, Jackson
- The Bank of Jackson, 132 W University Pkwy, Jackson
- The Bank of Jackson, 420 Oil Well Rd, Jackson
- The Bank of Jackson, 558 Carriage House Dr, Jackson
Get told when this changes
When the next year’s lending figures are out for Madison County, or a lender arrives or leaves.
Double opt-in, one click to unsubscribe. We never sell or share the list, and we are not a lender, a broker or a lead generator: this is a notification about published data, not a sales call. Privacy.
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. Branches and deposits come from the FDIC Summary of Deposits as of 30 June 2026, and bank balance sheets from the FDIC institutions directory. 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.