Refinancing lenders in Davidson County
2,463 refinancing mortgages were made in Davidson County, Tennessee, in 2025, by 368 lenders. The median rate their borrowers got was 6.250% on a median loan of $345,000. Of 3,488 decisions, 771 were denials — 22.1%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Regions Bank | 210 | 4.990% | $125,000 | 28.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 166 | 5.875% | $375,000 | 20.7% |
| Rocket Mortgage, LLC | 159 | 5.990% | $355,000 | 19.8% |
| Fifth Third Bank, National Association | 73 | 7.800% | $155,000 | 29.0% |
| FREEDOM MORTGAGE CORPORATION | 72 | 6.188% | $395,000 | 3.1% |
| PENNYMAC LOAN SERVICES, LLC | 63 | 5.875% | $465,000 | 18.5% |
| WILSON BANK AND TRUST | 62 | 7.090% | $305,000 | 10.4% |
| First Horizon Bank | 60 | 7.250% | $355,000 | 31.9% |
| Bank of America, National Association | 58 | 5.750% | $200,000 | 33.0% |
| Truist Bank | 56 | 6.358% | $155,000 | 51.6% |
| Legacy Home Loans, LLC | 51 | 6.375% | $435,000 | 0.0% |
| Pinnacle Bank | 48 | 6.500% | $335,000 | 20.3% |
| CMG MORTGAGE, INC. | 44 | 6.500% | $370,000 | 3.2% |
| Old National Bank | 44 | 6.183% | $385,000 | 19.0% |
| Cadence Bank | 43 | 7.490% | $145,000 | 13.5% |
| Primis Mortgage Company | 35 | 6.250% | $455,000 | 2.8% |
| JPMorgan Chase Bank, National Association | 34 | 6.250% | $615,000 | 16.7% |
| FirstBank | 33 | 6.375% | $505,000 | 5.6% |
| Renasant Bank | 29 | 7.250% | $205,000 | 8.8% |
| NEWREZ LLC | 28 | 6.125% | $345,000 | 26.2% |
| ASCEND FEDERAL CREDIT UNION | 28 | 6.950% | $440,000 | 24.3% |
| CROSSCOUNTRY MORTGAGE, INC. | 26 | 6.433% | $450,000 | 10.3% |
| U.S. Bank National Association | 26 | 6.875% | $505,000 | 17.7% |
| 254900CTT87ZKAUTIJ37 | 23 | 10.625% | $385,000 | 0.0% |
| Volunteer State Bank | 23 | Not published | $255,000 | 4.0% |
| United Community Bank | 22 | 6.500% | $340,000 | 30.3% |
| GUARANTEED RATE, INC. | 21 | 6.375% | $535,000 | 4.4% |
| BPL MORTGAGE TRUST, LLC | 21 | 7.000% | $255,000 | 4.6% |
| LAKEVIEW LOAN SERVICING, LLC | 20 | 6.125% | $360,000 | 57.5% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 19 | 5.990% | $275,000 | 20.0% |
| F&M Bank | 19 | 7.400% | $225,000 | 15.4% |
| AMERIHOME MORTGAGE COMPANY, LLC | 18 | 6.313% | $360,000 | 5.0% |
| SWBC MORTGAGE CORPORATION | 17 | 6.250% | $555,000 | 0.0% |
| Citizens Bank, National Association | 17 | 7.400% | $205,000 | 22.7% |
| Southern Bank of Tennessee | 17 | Not published | $255,000 | 5.6% |
| MOVEMENT MORTGAGE, LLC | 16 | 6.688% | $525,000 | 7.7% |
| CHAMPIONS FUNDING, LLC | 15 | 7.375% | $375,000 | 11.8% |
| Broker Solutions, Inc. | 14 | 6.500% | $450,000 | 22.2% |
| CHURCHILL MORTGAGE CORPORATION | 14 | 6.313% | $530,000 | 0.0% |
| PLANET HOME LENDING, LLC | 14 | 5.750% | $480,000 | 6.7% |
| VILLAGE CAPITAL & INVESTMENT LLC | 13 | 5.750% | $375,000 | 14.8% |
| LONGBRIDGE FINANCIAL, LLC | 13 | 6.125% | $175,000 | 6.7% |
| The Farmers Bank | 13 | 8.000% | $405,000 | 0.0% |
| Loandepot.Com, LLC | 12 | 6.120% | $455,000 | 33.3% |
| NATIONSTAR MORTGAGE LLC | 12 | 5.875% | $370,000 | 17.7% |
| Simmons Bank | 11 | 3.990% | $185,000 | 21.4% |
| FINANCE OF AMERICA REVERSE LLC | 11 | 6.000% | $165,000 | 21.4% |
| Studio Bank | 11 | 6.125% | $525,000 | 8.3% |
| BETTER MORTGAGE CORPORATION | 10 | 6.500% | $330,000 | 21.4% |
| Synovus Bank | 10 | 8.025% | $360,000 | 33.3% |
| COREVEST AMERICAN FINANCE LENDER LLC | 10 | 7.063% | $170,000 | 0.0% |
| PHH Mortgage Corporation | 9 | Under 10 loans | Under 10 loans | 18.2% |
| PENTAGON FEDERAL CREDIT UNION | 9 | Under 10 loans | Under 10 loans | 18.2% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 9 | Under 10 loans | Under 10 loans | 0.0% |
| LoanUnited.com, LLC | 8 | Under 10 loans | Under 10 loans | 10.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 8 | Under 10 loans | Under 10 loans | 10.0% |
| HOMEXPRESS MORTGAGE CORP. | 8 | Under 10 loans | Under 10 loans | 57.9% |
| PNC Bank, National Association | 8 | Under 10 loans | Under 10 loans | 27.3% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Kiavi Funding, Inc. | 7 | Under 10 loans | Under 10 loans | 22.2% |
| Ameris Bank | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Liberty | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Lendage, LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Legends Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 6 | Under 10 loans | Under 10 loans | 70.0% |
| GUILD MORTGAGE COMPANY | 6 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 6 | Under 10 loans | Under 10 loans | 14.3% |
| TEN CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 33.3% |
| UNION HOME MORTGAGE CORP. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| SHELTER LENDING SERVICES, L.L.C. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| CLEAREDGE LENDING LLC | 6 | Under 10 loans | Under 10 loans | 12.5% |
| FLAT BRANCH MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Research Center, LLC | 5 | Under 10 loans | Under 10 loans | 73.7% |
| PRINCETON MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 20.0% |
| CANOPY MORTGAGE, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 5 | Under 10 loans | Under 10 loans | 58.3% |
| Third Federal Savings and Loan Association of Cleveland | 5 | Under 10 loans | Under 10 loans | 50.0% |
| ServisFirst Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Wells Fargo Bank, National Association | 5 | Under 10 loans | Under 10 loans | 37.5% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| TRADITIONAL MORTGAGE ACCEPTANCE CORPORATION | 5 | Under 10 loans | Under 10 loans | 28.6% |
| MORTGAGE INVESTORS GROUP, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| First Financial Bank, National Association | 5 | Under 10 loans | Under 10 loans | 16.7% |
| first vision bank of tennessee | 5 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 4 | Under 10 loans | Under 10 loans | 45.5% |
| MILEND, INC. | 4 | Under 10 loans | Under 10 loans | 16.7% |
| SOFI BANK, NATIONAL ASSOCIATION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| KIND LENDING, LLC | 4 | Under 10 loans | Under 10 loans | 60.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Ixonia Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Northpointe Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| REDSTONE Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 37.5% |
| STOCKTON MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| A&D Mortgage LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| CLEARPATH LENDING | 4 | Under 10 loans | Under 10 loans | 20.0% |
| CORNERSTONE FINANCIAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Farmers Bank & Trust | 4 | Under 10 loans | Under 10 loans | 28.6% |
| ROYAL UNITED MORTGAGE LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| University Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| First Farmers and Merchants Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| CBRE MULTIFAMILY CAPITAL, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ABL RPC Residential Credit Acquisition LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PGIM REAL ESTATE AGENCY FINANCING, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 4 | Under 10 loans | Under 10 loans | 0.0% |
| COMPASS MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| City National Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTH RIVER MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| US COMMUNITY | 3 | Under 10 loans | Under 10 loans | 33.3% |
| Fairway Independent Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 25.0% |
| LIMA ONE CAPITAL, LLC | 3 | Under 10 loans | Under 10 loans | 50.0% |
| LOWER, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Wilmington Savings Fund Society, FSB | 3 | Under 10 loans | Under 10 loans | 0.0% |
| QUORUM FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Alcova Mortgage LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| EMM LOANS LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTH CENTRAL BANK, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TriStar Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HOMESTEAD FUNDING CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 3 | Under 10 loans | Under 10 loans | 25.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CedarStone Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED PREMIER FUNDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank of Lafayette | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Apex Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Navy Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 71.4% |
| FIRST COLONY MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 20.0% |
| Bethpage Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 75.0% |
| ALLIANT CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 60.0% |
| LADERA LENDING, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SPRING EQ, LLC | 2 | Under 10 loans | Under 10 loans | 57.1% |
| NEW DAY FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Raymond James Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| THE LOAN STORE, INC. | 2 | Under 10 loans | Under 10 loans | 20.0% |
| Fortera Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Texana Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SayGO Home Loans, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| NEXERA HOLDING LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| OriginPoint, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Flagstar Bank, N.A. | 2 | Under 10 loans | Under 10 loans | 60.0% |
| CITIZENS SAVINGS BANK AND TRUST COMPANY | 2 | Under 10 loans | Under 10 loans | 33.3% |
| First Federal Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DELMAR FINANCIAL COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Tennessee | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Southern Bancorp Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| AMERICAN FEDERAL MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Southeast Financial | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FOUNDATION MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Republic Bank & Trust Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Union Bank Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| One Bank of Tennessee | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMERCE BANK | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BankTennessee | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PFN Lending Group, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HomeTrust Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PriorityOne Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Freedom Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Planters Bank, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CB&S Bank, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Truxton Trust Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED HOME LOANS, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bank OZK | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GTE Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 984500FAD1FB7FEGTE82 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| CARRINGTON MORTGAGE SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 63.6% |
| DEEPHAVEN MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 83.3% |
| 254900M2C4Q6DATP2889 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MISSION LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| AMERICAN FINANCIAL NETWORK, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ENDEAVOR CAPITAL, LLC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| INTELLILOAN, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Citizens National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| WesBanco Bank, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Strong Home Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VISTA POINT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ROYAL PACIFIC FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CU COMMUNITY, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED NORTHERN MORTGAGE BANKERS LIMITED | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 9845005BP6974AE5D838 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Manufacturers and Traders Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 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 168 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.