Home purchase lenders in Shelby County
7,803 home purchase mortgages were made in Shelby County, Tennessee, in 2025, by 403 lenders. The median rate their borrowers got was 6.500% on a median loan of $245,000. Of 9,094 decisions, 1,034 were denials — 11.4%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Pinnacle Bank | 609 | 6.375% | $175,000 | 5.8% |
| COMMUNITY MORTGAGE CORPORATION | 526 | 6.375% | $285,000 | 2.8% |
| Cadence Bank | 355 | 6.250% | $265,000 | 6.2% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 288 | 6.500% | $245,000 | 14.7% |
| GUARANTEED RATE, INC. | 274 | 6.263% | $195,000 | 7.4% |
| Patriot Bank | 234 | 6.250% | $270,000 | 2.9% |
| CROSSCOUNTRY MORTGAGE, INC. | 219 | 6.500% | $175,000 | 4.4% |
| Rocket Mortgage, LLC | 209 | 6.625% | $265,000 | 16.9% |
| Orion Federal Credit Union | 202 | 6.125% | $295,000 | 2.9% |
| First Horizon Bank | 179 | 6.500% | $315,000 | 10.5% |
| MORTGAGE INVESTORS GROUP, INC. | 177 | 6.490% | $305,000 | 1.1% |
| Mortgage Research Center, LLC | 168 | 6.500% | $285,000 | 13.3% |
| BARTLETT MORTGAGE, INC. | 164 | 6.490% | $275,000 | 1.7% |
| Renasant Bank | 158 | 6.250% | $220,000 | 7.0% |
| Navy Federal Credit Union | 121 | 6.375% | $305,000 | 19.1% |
| Evolve Bank & Trust | 120 | 6.375% | $255,000 | 6.8% |
| Leaders Credit Union | 117 | 6.624% | $295,000 | 5.7% |
| Trustmark National Bank | 106 | 6.125% | $265,000 | 17.2% |
| Kiavi Funding, Inc. | 101 | 10.500% | $135,000 | 15.3% |
| Broker Solutions, Inc. | 93 | 6.625% | $185,000 | 8.8% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 88 | 6.375% | $330,000 | 2.1% |
| Regions Bank | 86 | 6.375% | $295,000 | 31.7% |
| EVERETT FINANCIAL, INC. | 85 | 6.625% | $255,000 | 3.4% |
| Simmons Bank | 82 | 6.875% | $255,000 | 9.4% |
| Bank of Bartlett | 78 | 7.125% | $215,000 | 36.3% |
| Paragon Bank | 76 | Not published | $230,000 | 2.6% |
| DHI MORTGAGE COMPANY, LTD. | 75 | 4.990% | $325,000 | 15.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 74 | 6.490% | $245,000 | 14.6% |
| Financial Federal Bank | 72 | 6.500% | $365,000 | 1.4% |
| JPMorgan Chase Bank, National Association | 69 | 6.490% | $245,000 | 18.8% |
| STOCKTON MORTGAGE CORPORATION | 63 | 6.500% | $225,000 | 12.0% |
| Independent Bank | 57 | Not published | $235,000 | 6.6% |
| Bank of America, National Association | 55 | 6.125% | $225,000 | 33.7% |
| 254900CTT87ZKAUTIJ37 | 55 | 8.375% | $125,000 | 17.9% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 54 | 6.625% | $210,000 | 1.7% |
| BPL MORTGAGE TRUST, LLC | 51 | 7.500% | $85,000 | 11.1% |
| GUILD MORTGAGE COMPANY | 46 | 6.433% | $150,000 | 7.7% |
| Nations Lending Corporation | 45 | 6.375% | $225,000 | 4.2% |
| Bank3 | 44 | Not published | $255,000 | 6.3% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 43 | 6.500% | $245,000 | 18.5% |
| Brighton Bank | 43 | 6.490% | $275,000 | 0.0% |
| First South Financial Federally Insured State-Chartered Credit Union | 42 | 6.375% | $290,000 | 4.6% |
| NEWREZ LLC | 40 | 6.563% | $215,000 | 6.8% |
| The Bank of Fayette County | 40 | Not published | $190,000 | 2.4% |
| Commercial Bank & Trust Co. | 37 | Not published | $325,000 | 2.6% |
| Loan Funder LLC | 36 | 7.390% | $130,000 | 7.7% |
| PENNYMAC LOAN SERVICES, LLC | 35 | 6.125% | $295,000 | 22.2% |
| HOPE FEDERAL CREDIT UNION | 34 | 6.688% | $160,000 | 35.9% |
| Loandepot.Com, LLC | 34 | 6.875% | $195,000 | 8.1% |
| UNION HOME MORTGAGE CORP. | 34 | 5.990% | $315,000 | 2.9% |
| T2 FINANCIAL LLC | 32 | 6.750% | $265,000 | 8.3% |
| LIMA ONE CAPITAL, LLC | 31 | 7.200% | $125,000 | 11.4% |
| AMWEST FUNDING CORP. | 30 | 6.875% | $135,000 | 0.0% |
| MORTGAGE FINANCIAL SERVICES, LLC | 29 | 6.750% | $255,000 | 0.0% |
| Equity Prime Mortgage LLC | 28 | 6.500% | $210,000 | 19.4% |
| USAA Federal Savings Bank | 28 | 6.250% | $290,000 | 34.9% |
| FREEDOM MORTGAGE CORPORATION | 28 | 6.250% | $285,000 | 17.1% |
| CMG MORTGAGE, INC. | 28 | 6.438% | $315,000 | 3.1% |
| DIRECTIONS EQUITY, LLC | 26 | 6.125% | $225,000 | 3.6% |
| Luminate Bank | 26 | 6.875% | $190,000 | 0.0% |
| FirstBank | 26 | 6.625% | $195,000 | 6.9% |
| Wells Fargo Bank, National Association | 25 | 6.500% | $185,000 | 19.4% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 25 | 6.490% | $235,000 | 13.8% |
| Cornerstone First Mortgage, Inc | 25 | 6.500% | $285,000 | 7.4% |
| Paramount Residential Mortgage Group, Inc. | 24 | 6.500% | $165,000 | 17.2% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 24 | 6.933% | $310,000 | 14.3% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 24 | 6.813% | $195,000 | 10.0% |
| Planters Bank & Trust Company | 24 | 7.250% | $185,000 | 0.0% |
| Click n' Close, Inc. | 23 | 6.750% | $115,000 | 11.5% |
| Wolfe Financial, Inc | 23 | 6.500% | $335,000 | 4.2% |
| AMERICAN FINANCIAL RESOURCES, INC. | 23 | 6.500% | $285,000 | 14.8% |
| Truist Bank | 21 | 6.250% | $285,000 | 19.2% |
| First Citizens National Bank | 21 | 6.250% | $275,000 | 8.3% |
| Memphis City Employees Credit Union | 21 | Not published | $295,000 | 0.0% |
| Community Bank of Mississippi | 21 | 7.750% | $225,000 | 4.4% |
| SOUTHWEST FUNDING, LP | 20 | 6.500% | $240,000 | 0.0% |
| Guaranty Bank and Trust Company | 20 | 6.875% | $215,000 | 13.0% |
| Commerce Home Mortgage, Inc. | 19 | 6.875% | $195,000 | 17.4% |
| TOWNE MORTGAGE COMPANY | 19 | 6.375% | $245,000 | 9.1% |
| SUN WEST MORTGAGE COMPANY, INC. | 18 | 6.375% | $225,000 | 15.4% |
| ZILLOW HOME LOANS, LLC | 18 | 6.563% | $245,000 | 5.3% |
| LENDINGONE, LLC | 17 | 7.110% | $155,000 | 48.5% |
| AMERICAN FINANCIAL NETWORK, INC. | 16 | 6.188% | $325,000 | 30.4% |
| OCMBC, INC. | 15 | 6.999% | $145,000 | 26.9% |
| KIND LENDING, LLC | 15 | 6.990% | $135,000 | 34.8% |
| U.S. Bank National Association | 15 | 6.250% | $265,000 | 23.8% |
| SECURITYNATIONAL MORTGAGE COMPANY | 15 | 6.750% | $105,000 | 21.1% |
| DEEPHAVEN MORTGAGE LLC | 15 | 7.500% | $155,000 | 28.6% |
| Hometown Equity Mortgage, LLC | 15 | 6.500% | $175,000 | 28.6% |
| NATIONSTAR MORTGAGE LLC | 14 | 6.495% | $295,000 | 12.5% |
| FIRSTTRUST HOME LOANS, INC. | 14 | 6.375% | $135,000 | 0.0% |
| Citizens Bank, National Association | 14 | 6.500% | $295,000 | 17.7% |
| Bank of Holly Springs | 14 | Not published | $195,000 | 0.0% |
| Southern Bancorp Bank | 13 | 7.750% | $185,000 | 0.0% |
| SIRVA MORTGAGE, INC. | 13 | 6.500% | $455,000 | 4.4% |
| NFM, INC. | 13 | 7.250% | $155,000 | 18.8% |
| Eagle Bank and Trust Company | 13 | 6.500% | $355,000 | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 13 | 6.990% | $235,000 | 0.0% |
| ServisFirst Bank | 13 | 6.690% | $135,000 | 0.0% |
| FBC MORTGAGE, LLC | 12 | 4.990% | $360,000 | 0.0% |
| INSOUTH Bank | 12 | Not published | $135,000 | 0.0% |
| Bank of England | 11 | 6.375% | $245,000 | 0.0% |
| BETTER MORTGAGE CORPORATION | 10 | 5.938% | $315,000 | 47.4% |
| FEDEX EMPLOYEES CREDIT ASSOCIATION | 10 | 6.313% | $240,000 | 33.3% |
| CHAMPIONS FUNDING, LLC | 10 | 7.375% | $185,000 | 47.4% |
| AMERICAN HERITAGE LENDING, LLC | 10 | 7.250% | $145,000 | 7.7% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 10 | 7.437% | $135,000 | 0.0% |
| Stifel Bank and Trust | 10 | 6.375% | $115,000 | 0.0% |
| First National Bank of America | 10 | 9.063% | $175,000 | 9.1% |
| Prosperity Home Mortgage, LLC | 10 | 6.563% | $320,000 | 9.1% |
| CONVENTUS LLC | 10 | 7.125% | $125,000 | 0.0% |
| ENVOY MORTGAGE, LTD | 9 | Under 10 loans | Under 10 loans | 10.0% |
| FIRST COLONY MORTGAGE CORPORATION | 9 | Under 10 loans | Under 10 loans | 16.7% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 9 | Under 10 loans | Under 10 loans | 23.1% |
| GUIDANCE RESIDENTIAL, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| THE LOAN STORE, INC. | 9 | Under 10 loans | Under 10 loans | 9.1% |
| Fairway Independent Mortgage Corporation | 9 | Under 10 loans | Under 10 loans | 0.0% |
| First Commercial Bank | 9 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 8 | Under 10 loans | Under 10 loans | 27.3% |
| NEXERA HOLDING LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| EMM LOANS LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 7 | Under 10 loans | Under 10 loans | 12.5% |
| First Federal Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| BankPlus | 7 | Under 10 loans | Under 10 loans | 0.0% |
| GENWAY HOME MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| FIRST ALLIANCE HOME MORTGAGE, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Flagstar Bank, N.A. | 6 | Under 10 loans | Under 10 loans | 25.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Arvest Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Raymond James Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN MORTGAGE SERVICES INCORPORATED | 6 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 5 | Under 10 loans | Under 10 loans | 73.1% |
| TRIAD FINANCIAL SERVICES, INC. | 5 | Under 10 loans | Under 10 loans | 60.9% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 5 | Under 10 loans | Under 10 loans | 14.3% |
| A&D Mortgage LLC | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Filo Mortgage, L.L.C. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 5 | Under 10 loans | Under 10 loans | 16.7% |
| SUMMIT FUNDING, INC. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Fifth Third Bank, National Association | 5 | Under 10 loans | Under 10 loans | 16.7% |
| U. T. Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 0.0% |
| SECURITY BANK AND TRUST COMPANY | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 42.9% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 42.9% |
| SWBC MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 16.7% |
| Northpointe Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Emporium TPO LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Premia Mortgage, LLC DBA Premia Relocation Mortgage | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Synergy One Lending, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| BankTennessee | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NMSI, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS LENDING, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Tomo Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 50.0% |
| PNC Bank, National Association | 3 | Under 10 loans | Under 10 loans | 25.0% |
| MICHIGAN MUTUAL, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TruHome Solutions, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| MOVEMENT MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 33.3% |
| COREVEST AMERICAN FINANCE LENDER LLC | 3 | Under 10 loans | Under 10 loans | 14.3% |
| Citibank, National Association | 3 | Under 10 loans | Under 10 loans | 25.0% |
| GUARANTEED RATE AFFINITY, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| PLANET HOME LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| STG MORTGAGE INC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Liberty | 3 | Under 10 loans | Under 10 loans | 0.0% |
| EUSTIS MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| The First National Bank of Middle Tennessee | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Bison State Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HSBC BANK USA, NATIONAL ASSOCIATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| 2549005FUF02T1IFCA22 | 3 | Under 10 loans | Under 10 loans | 0.0% |
| VISTA POINT MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| UIF CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SouthStar Bank, S.S.B. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FLAT BRANCH MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of Eastern Arkansas | 3 | Under 10 loans | Under 10 loans | 0.0% |
| The Citizens National Bank of Meridian | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SouthState Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| KeyBank National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 2 | Under 10 loans | Under 10 loans | 90.0% |
| HomePromise Corporation | 2 | Under 10 loans | Under 10 loans | 60.0% |
| Plains Commerce Bank | 2 | Under 10 loans | Under 10 loans | 60.0% |
| Beeline Loans, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 25.0% |
| DIGITAL | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ASCEND FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Home Mortgage Alliance Corporation (HMAC) | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GMFS LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Manufacturers and Traders Trust Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GO MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| WALKER & DUNLOP, LLC | 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 203 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.