Refinancing lenders in Shelby County
2,260 refinancing mortgages were made in Shelby County, Tennessee, in 2025, by 282 lenders. The median rate their borrowers got was 6.375% on a median loan of $205,000. Of 3,317 decisions, 855 were denials — 25.8%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 215 | 5.625% | $335,000 | 19.4% |
| Rocket Mortgage, LLC | 137 | 5.875% | $245,000 | 25.0% |
| Regions Bank | 135 | 4.990% | $95,000 | 44.0% |
| Kiavi Funding, Inc. | 116 | 7.375% | $125,000 | 14.4% |
| FREEDOM MORTGAGE CORPORATION | 102 | 6.125% | $295,000 | 7.2% |
| Cadence Bank | 79 | 7.500% | $95,000 | 26.4% |
| First Horizon Bank | 75 | 7.250% | $195,000 | 34.7% |
| Trustmark National Bank | 71 | 7.500% | $75,000 | 27.7% |
| PENNYMAC LOAN SERVICES, LLC | 64 | 5.990% | $315,000 | 8.9% |
| CROSSCOUNTRY MORTGAGE, INC. | 51 | 7.250% | $125,000 | 5.5% |
| Renasant Bank | 43 | 7.250% | $205,000 | 6.5% |
| Truist Bank | 42 | 6.790% | $140,000 | 52.6% |
| Bank of Bartlett | 40 | 7.438% | $205,000 | 41.6% |
| Leaders Credit Union | 32 | 6.313% | $220,000 | 8.6% |
| Bank of America, National Association | 30 | 5.990% | $105,000 | 38.5% |
| Community Bank of Mississippi | 30 | 7.625% | $205,000 | 6.3% |
| Pinnacle Bank | 29 | 6.250% | $335,000 | 14.3% |
| Financial Federal Bank | 28 | 6.850% | $190,000 | 0.0% |
| NEWREZ LLC | 27 | 5.875% | $325,000 | 44.0% |
| Mortgage Research Center, LLC | 25 | 5.875% | $315,000 | 53.4% |
| Simmons Bank | 25 | 4.990% | $205,000 | 37.5% |
| COMMUNITY MORTGAGE CORPORATION | 24 | 6.375% | $390,000 | 4.0% |
| Loan Funder LLC | 23 | 7.450% | $125,000 | 30.3% |
| ROYAL UNITED MORTGAGE LLC | 20 | 6.813% | $95,000 | 34.4% |
| BPL MORTGAGE TRUST, LLC | 20 | 7.000% | $110,000 | 18.8% |
| Loandepot.Com, LLC | 20 | 5.990% | $290,000 | 9.1% |
| LAKEVIEW LOAN SERVICING, LLC | 19 | 6.250% | $285,000 | 55.9% |
| Independent Bank | 19 | Not published | $515,000 | 5.0% |
| Commercial Bank & Trust Co. | 17 | Not published | $115,000 | 10.5% |
| Planters Bank & Trust Company | 17 | 7.250% | $165,000 | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 16 | 5.750% | $280,000 | 14.3% |
| Navy Federal Credit Union | 15 | 5.875% | $185,000 | 29.2% |
| AMERIHOME MORTGAGE COMPANY, LLC | 15 | 6.375% | $275,000 | 15.8% |
| First South Financial Federally Insured State-Chartered Credit Union | 15 | 5.375% | $215,000 | 25.0% |
| PLANET HOME LENDING, LLC | 15 | 5.750% | $265,000 | 16.7% |
| NATIONSTAR MORTGAGE LLC | 13 | 5.990% | $265,000 | 33.3% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 13 | 6.125% | $225,000 | 17.7% |
| First Citizens National Bank | 13 | 6.950% | $365,000 | 13.3% |
| HOMEXPRESS MORTGAGE CORP. | 13 | 6.999% | $145,000 | 35.0% |
| The Bank of Fayette County | 13 | Not published | $115,000 | 7.1% |
| Evolve Bank & Trust | 12 | 6.250% | $250,000 | 7.1% |
| LoanUnited.com, LLC | 11 | 5.750% | $365,000 | 31.3% |
| PHH Mortgage Corporation | 11 | 5.990% | $275,000 | 21.4% |
| 254900CTT87ZKAUTIJ37 | 11 | 8.375% | $135,000 | 8.3% |
| GUARANTEED RATE, INC. | 10 | 6.213% | $225,000 | 9.1% |
| DEEPHAVEN MORTGAGE LLC | 10 | 9.375% | $95,000 | 52.4% |
| Orion Federal Credit Union | 10 | 5.763% | $335,000 | 0.0% |
| Guaranty Bank and Trust Company | 10 | 7.475% | $115,000 | 9.1% |
| GUILD MORTGAGE COMPANY | 10 | 6.688% | $220,000 | 8.3% |
| First National Bank of Eastern Arkansas | 10 | Not published | $135,000 | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | 9 | Under 10 loans | Under 10 loans | 30.8% |
| MORTGAGE FINANCIAL SERVICES, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Broker Solutions, Inc. | 8 | Under 10 loans | Under 10 loans | 27.3% |
| Citizens Bank, National Association | 8 | Under 10 loans | Under 10 loans | 35.7% |
| MOVEMENT MORTGAGE, LLC | 8 | Under 10 loans | Under 10 loans | 16.7% |
| AMERICAN HERITAGE LENDING, LLC | 8 | Under 10 loans | Under 10 loans | 10.0% |
| JPMorgan Chase Bank, National Association | 8 | Under 10 loans | Under 10 loans | 20.0% |
| CHAMPIONS FUNDING, LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Paragon Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Wolfe Financial, Inc | 7 | Under 10 loans | Under 10 loans | 22.2% |
| Discover Bank | 7 | Under 10 loans | Under 10 loans | 65.0% |
| NEW DAY FINANCIAL, LLC | 7 | Under 10 loans | Under 10 loans | 11.1% |
| SUN WEST MORTGAGE COMPANY, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Wells Fargo Bank, National Association | 7 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| MILEND, INC. | 6 | Under 10 loans | Under 10 loans | 50.0% |
| MORTGAGE INVESTORS GROUP, INC. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| OCMBC, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| GoodLeap, LLC | 6 | Under 10 loans | Under 10 loans | 36.4% |
| DOMINION FINANCIAL SERVICES, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| CLEARPATH LENDING | 6 | Under 10 loans | Under 10 loans | 25.0% |
| U.S. Bank National Association | 6 | Under 10 loans | Under 10 loans | 14.3% |
| FINANCE OF AMERICA REVERSE LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| CONSTRUCTIVE LOANS, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| 984500RF83EA742B5589 | 6 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 5 | Under 10 loans | Under 10 loans | 66.7% |
| Cornerstone First Mortgage, Inc | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Lendage, LLC | 5 | Under 10 loans | Under 10 loans | 14.3% |
| Commerce Home Mortgage, Inc. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| UNION HOME MORTGAGE CORP. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Holly Springs | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ALAMEDA MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| VISTA POINT MORTGAGE, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTH RIVER MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 69.2% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CMG MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LIMA ONE CAPITAL, LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Patriot Bank | 4 | Under 10 loans | Under 10 loans | 33.3% |
| PENTAGON FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| OCEANSIDE MORTGAGE COMPANY | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SPRING EQ, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| BankTennessee | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MCKENZIE BANKING COMPANY | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| The Citizens National Bank of Meridian | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PNC Bank, National Association | 3 | Under 10 loans | Under 10 loans | 62.5% |
| EVERETT FINANCIAL, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 3 | Under 10 loans | Under 10 loans | 25.0% |
| LADERA LENDING, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BankPlus | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 3 | Under 10 loans | Under 10 loans | 25.0% |
| First Commercial Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| U. T. Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BankFirst Financial Services | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AmeriSave Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 77.8% |
| STOCKTON MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 66.7% |
| COREVEST AMERICAN FINANCE LENDER LLC | 2 | Under 10 loans | Under 10 loans | 25.0% |
| Luminate Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BARTLETT MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| FEDEX EMPLOYEES CREDIT ASSOCIATION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| FirstBank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Fifth Third Bank, National Association | 2 | Under 10 loans | Under 10 loans | 50.0% |
| EMM LOANS LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| First Federal Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| SOUTHWEST FUNDING, LP | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Southern Bancorp Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AAA CAPITAL INVESTMENT, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bank3 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Northwest Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Old National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Memphis City Employees Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CONVENTUS LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Raymond James Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 1 | Under 10 loans | Under 10 loans | 88.9% |
| BETTER MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Equity Prime Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 60.0% |
| INTELLILOAN, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| THE LOAN STORE, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 1 | Under 10 loans | Under 10 loans | 66.7% |
| FIRST ALLIANCE HOME MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KIND LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Brighton Bank | 1 | Under 10 loans | Under 10 loans | 33.3% |
| FOUNDATION MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Beeline Loans, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SERVIS ONE, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ARC HOME LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| BELLCO CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| SUMMIT FUNDING, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ENDEAVOR CAPITAL, LLC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE ACCESS CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of England | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Valon Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIED MORTGAGE GROUP, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Studio Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NORWICH COMMERCIAL GROUP, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bison State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Emporium TPO LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CITIZENS SAVINGS BANK AND TRUST COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GO MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NQM FUNDING, LLC | 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% |
| WALKER & DUNLOP, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Right | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Gold Coast Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Primis Mortgage Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Wilmington Savings Fund Society, FSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AmRes Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Community National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GREYSTONE SERVICING COMPANY LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BARINGS MULTIFAMILY CAPITAL LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Clearview Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BrightStar Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Grand Bank for Savings, FSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Wings Financial Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LUMENT REAL ESTATE CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TRADITIONAL MORTGAGE ACCEPTANCE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Fairway Independent Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The First National Bank of Middle Tennessee | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Baxter Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EVERWISE CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMESTEAD FUNDING CORP. | 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 82 lenders each made 1 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.