Mortgage lenders in Hamilton County
9,713 mortgages were made in Hamilton County, Tennessee, in 2025, by 527 lenders. The median rate their borrowers got was 6.625% on a median loan of $255,000. Of 13,064 decisions, 2,685 were denials — 20.5%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| TENNESSEE VALLEY FCU | 678 | 6.627% | $155,000 | 26.5% |
| Rocket Mortgage, LLC | 644 | 6.625% | $225,000 | 16.0% |
| Regions Bank | 473 | 4.990% | $95,000 | 37.5% |
| FirstBank | 470 | 6.750% | $305,000 | 7.2% |
| MOVEMENT MORTGAGE, LLC | 354 | 6.625% | $315,000 | 4.6% |
| UNION HOME MORTGAGE CORP. | 341 | 6.500% | $265,000 | 5.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 322 | 6.004% | $325,000 | 13.9% |
| CMG MORTGAGE, INC. | 317 | 6.625% | $305,000 | 3.3% |
| Truist Bank | 292 | 6.613% | $155,000 | 41.1% |
| First Horizon Bank | 195 | 7.250% | $215,000 | 29.6% |
| Pinnacle Bank | 190 | 6.500% | $285,000 | 14.1% |
| SUMMIT FUNDING, INC. | 186 | 6.875% | $270,000 | 6.4% |
| Kiavi Funding, Inc. | 161 | 10.240% | $185,000 | 10.1% |
| Builtwell Bank | 131 | Not published | $155,000 | 20.8% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 128 | 6.500% | $305,000 | 0.0% |
| ALAMEDA MORTGAGE CORPORATION | 128 | 6.688% | $275,000 | 0.0% |
| Loandepot.Com, LLC | 127 | 5.990% | $285,000 | 18.1% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 126 | 6.490% | $310,000 | 4.0% |
| SmartBank | 123 | 7.000% | $285,000 | 12.4% |
| MORTGAGE INVESTORS GROUP, INC. | 122 | 6.625% | $305,000 | 1.6% |
| FREEDOM MORTGAGE CORPORATION | 121 | 6.250% | $295,000 | 13.2% |
| Mortgage Research Center, LLC | 114 | 6.125% | $335,000 | 27.7% |
| PENNYMAC LOAN SERVICES, LLC | 111 | 5.990% | $285,000 | 18.2% |
| Bank of America, National Association | 105 | 5.990% | $145,000 | 45.5% |
| Navy Federal Credit Union | 104 | 7.250% | $195,000 | 21.5% |
| DHI MORTGAGE COMPANY, LTD. | 100 | 5.750% | $345,000 | 12.7% |
| NATIONSTAR MORTGAGE LLC | 99 | 7.990% | $115,000 | 16.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 96 | 6.600% | $315,000 | 9.4% |
| SouthEast Bank | 92 | 7.500% | $205,000 | 11.6% |
| JPMorgan Chase Bank, National Association | 87 | 6.375% | $295,000 | 8.1% |
| FIGURE LENDING LLC | 76 | 9.913% | $65,000 | 20.9% |
| Broker Solutions, Inc. | 72 | 6.750% | $255,000 | 24.7% |
| Citizens Tri-County Bank | 60 | 6.750% | $130,000 | 8.8% |
| NEWREZ LLC | 58 | 6.250% | $285,000 | 31.5% |
| AmeriSave Mortgage Corporation | 51 | 7.875% | $95,000 | 60.9% |
| LEADERONE FINANCIAL CORPORATION | 48 | 6.750% | $305,000 | 22.6% |
| UNITED NORTHERN MORTGAGE BANKERS LIMITED | 47 | 5.990% | $385,000 | 4.1% |
| Cadence Bank | 46 | 6.670% | $295,000 | 33.8% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 44 | 10.250% | $135,000 | 14.8% |
| CANOPY MORTGAGE, LLC | 44 | 6.500% | $370,000 | 4.3% |
| SPRING EQ, LLC | 41 | 8.575% | $55,000 | 62.5% |
| SOFI BANK, NATIONAL ASSOCIATION | 41 | 7.250% | $125,000 | 10.6% |
| Coastal Community Bank | 40 | 9.615% | $55,000 | 4.1% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 39 | 6.500% | $295,000 | 8.5% |
| GUILD MORTGAGE COMPANY | 39 | 6.875% | $215,000 | 9.1% |
| COMMUNITY MORTGAGE CORPORATION | 38 | 6.562% | $335,000 | 0.0% |
| First Citizens National Bank | 36 | 6.995% | $345,000 | 25.5% |
| U.S. Bank National Association | 34 | 6.750% | $245,000 | 40.7% |
| LONGBRIDGE FINANCIAL, LLC | 34 | 5.875% | $145,000 | 2.6% |
| FIRST COMMUNITY MORTGAGE, INC. | 33 | 6.500% | $255,000 | 10.0% |
| RockPointBank, National Association | 33 | Not published | $425,000 | 2.9% |
| MILLENNIUM BANK | 33 | Not published | $205,000 | 2.8% |
| THE LOAN STORE, INC. | 32 | 6.625% | $270,000 | 5.3% |
| Capital City Home Loans, LLC | 31 | 6.750% | $385,000 | 6.1% |
| CHATTANOOGA AREA SCHOOLS FEDERAL CREDIT UNION | 31 | Not published | $155,000 | 0.0% |
| Mortgage Right | 30 | 6.250% | $275,000 | 3.2% |
| NFM, INC. | 30 | 6.750% | $300,000 | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 30 | 7.313% | $225,000 | 20.5% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 29 | 8.750% | $165,000 | 78.1% |
| GUARANTEED RATE, INC. | 29 | 6.625% | $225,000 | 9.1% |
| LAKEVIEW LOAN SERVICING, LLC | 28 | 6.375% | $280,000 | 44.8% |
| United Community Bank | 28 | 6.500% | $260,000 | 15.2% |
| GoodLeap, LLC | 27 | 6.125% | $125,000 | 25.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 27 | 6.375% | $245,000 | 31.7% |
| Wells Fargo Bank, National Association | 27 | 6.250% | $245,000 | 18.2% |
| STOCKTON MORTGAGE CORPORATION | 27 | 6.750% | $285,000 | 6.9% |
| CHURCHILL MORTGAGE CORPORATION | 26 | 6.625% | $225,000 | 0.0% |
| LENNAR MORTGAGE, LLC | 25 | 4.750% | $255,000 | 13.8% |
| Synovus Bank | 24 | 7.563% | $345,000 | 11.1% |
| Lendage, LLC | 24 | 11.000% | $55,000 | 7.4% |
| KIND LENDING, LLC | 23 | 6.500% | $345,000 | 20.7% |
| Citizens Bank, National Association | 22 | 7.650% | $175,000 | 42.5% |
| USAA Federal Savings Bank | 22 | 6.063% | $380,000 | 35.3% |
| Fairway Independent Mortgage Corporation | 22 | 6.563% | $275,000 | 0.0% |
| EUSTIS MORTGAGE CORPORATION | 22 | 6.495% | $255,000 | 4.4% |
| WILSON BANK AND TRUST | 22 | 7.220% | $430,000 | 11.1% |
| Legends Bank | 21 | 6.750% | $275,000 | 0.0% |
| Discover Bank | 20 | 8.140% | $85,000 | 68.1% |
| Tomo Mortgage, LLC | 20 | 6.563% | $340,000 | 4.8% |
| MOUNTAIN VALLEY BANK | 20 | Not published | $95,000 | 0.0% |
| PNC Bank, National Association | 19 | 7.810% | $105,000 | 40.6% |
| First Financial Bank, National Association | 19 | 6.750% | $225,000 | 31.0% |
| BANKSOUTH MORTGAGE COMPANY, LLC | 19 | 6.125% | $335,000 | 0.0% |
| BETTER MORTGAGE CORPORATION | 18 | 6.933% | $235,000 | 45.7% |
| CARRINGTON MORTGAGE SERVICES, LLC | 18 | 6.188% | $180,000 | 59.2% |
| Third Federal Savings and Loan Association of Cleveland | 18 | 6.990% | $125,000 | 37.9% |
| Fifth Third Bank, National Association | 17 | 6.750% | $225,000 | 33.3% |
| Presidential Bank, FSB | 17 | 6.625% | $375,000 | 15.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 16 | 6.370% | $325,000 | 10.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 16 | 6.188% | $305,000 | 5.9% |
| Morgan Stanley Private Bank, National Association | 16 | 5.975% | $535,000 | 9.5% |
| Renasant Bank | 16 | 6.563% | $300,000 | 11.1% |
| AMERICAN FINANCIAL NETWORK, INC. | 16 | 7.183% | $280,000 | 10.5% |
| NEW DAY FINANCIAL, LLC | 15 | 6.875% | $295,000 | 55.9% |
| RELIANCE FIRST CAPITAL, LLC | 15 | 6.375% | $215,000 | 0.0% |
| Liberty | 15 | 6.875% | $205,000 | 0.0% |
| Old National Bank | 15 | 6.500% | $340,000 | 6.3% |
| PHH Mortgage Corporation | 14 | 6.063% | $345,000 | 11.8% |
| GUARANTY MORTGAGE SERVICES, L.L.C. | 14 | 6.313% | $380,000 | 0.0% |
| Loan Funder LLC | 14 | 10.750% | $200,000 | 0.0% |
| PLANET HOME LENDING, LLC | 14 | 6.125% | $320,000 | 26.3% |
| AMERICAN FINANCIAL RESOURCES, INC. | 14 | 6.495% | $255,000 | 6.7% |
| ZILLOW HOME LOANS, LLC | 14 | 6.438% | $280,000 | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 13 | 6.000% | $385,000 | 0.0% |
| LENDINGONE, LLC | 12 | 7.510% | $230,000 | 40.0% |
| CHAMPIONS FUNDING, LLC | 12 | 7.813% | $285,000 | 20.0% |
| Chattanooga Federal Employees Credit Union | 12 | 7.500% | $130,000 | 21.1% |
| HOMEXPRESS MORTGAGE CORP. | 12 | 7.438% | $270,000 | 23.5% |
| UBS Bank USA | 12 | 5.875% | $875,000 | 7.7% |
| Commerce Home Mortgage, Inc. | 12 | 8.500% | $380,000 | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 11 | 9.600% | $45,000 | 56.5% |
| PENTAGON FEDERAL CREDIT UNION | 11 | 7.375% | $155,000 | 57.7% |
| Click n' Close, Inc. | 11 | 6.875% | $235,000 | 15.4% |
| NBKC BANK | 11 | 6.500% | $385,000 | 8.3% |
| CU COMMUNITY, LLC | 11 | 6.875% | $165,000 | 0.0% |
| Andrew Johnson Bank | 11 | 7.250% | $205,000 | 8.3% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 11 | 6.625% | $295,000 | 0.0% |
| TRUST Federal Credit Union | 11 | 5.990% | $225,000 | 8.3% |
| VILLAGE CAPITAL & INVESTMENT LLC | 10 | 5.870% | $340,000 | 14.3% |
| LoanUnited.com, LLC | 10 | 6.250% | $295,000 | 9.1% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 10 | 7.312% | $350,000 | 0.0% |
| REDSTONE Federal Credit Union | 10 | 6.813% | $300,000 | 9.1% |
| Raymond James Bank | 10 | 5.500% | $870,000 | 0.0% |
| ISERVE RESIDENTIAL LENDING, LLC | 10 | 6.313% | $305,000 | 9.1% |
| 21st Mortgage Corporation | 9 | Under 10 loans | Under 10 loans | 82.0% |
| Equity Prime Mortgage LLC | 9 | Under 10 loans | Under 10 loans | 30.8% |
| 254900M2C4Q6DATP2889 | 9 | Under 10 loans | Under 10 loans | 30.8% |
| First-Citizens Bank & Trust Company | 9 | Under 10 loans | Under 10 loans | 31.3% |
| Filo Mortgage, L.L.C. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 8 | Under 10 loans | Under 10 loans | 14.3% |
| EASTMAN CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 27.3% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 8 | Under 10 loans | Under 10 loans | 11.1% |
| FLAT BRANCH MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Ameris Bank | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Studio Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| WesBanco Bank, Inc. | 7 | Under 10 loans | Under 10 loans | 20.0% |
| Legacy Home Loans, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| KNOXVILLE TVA EMPLOYEES CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Simmons Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| MILEND, INC. | 6 | Under 10 loans | Under 10 loans | 22.2% |
| LIMA ONE CAPITAL, LLC | 6 | Under 10 loans | Under 10 loans | 33.3% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Beeline Loans, Inc. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| SUN WEST MORTGAGE COMPANY, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Ixonia Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 6 | Under 10 loans | Under 10 loans | 11.1% |
| QUORUM FEDERAL CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| ASCEND FEDERAL CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 14.3% |
| SIRVA MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| 5493004T38NMC864VL66 | 6 | Under 10 loans | Under 10 loans | 0.0% |
| HOMESTEAD FUNDING CORP. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Cleveland | 6 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 6 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 5 | Under 10 loans | Under 10 loans | 44.4% |
| Valon Mortgage, Inc. | 5 | Under 10 loans | Under 10 loans | 18.2% |
| EVERETT FINANCIAL, INC. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Primis Mortgage Company | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Bethpage Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 50.0% |
| SayGO Home Loans, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Magnolia Bank, Incorporated | 5 | Under 10 loans | Under 10 loans | 16.7% |
| FIRST COLONY MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Southern Bancorp Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| FINANCE OF AMERICA REVERSE LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Emporium TPO LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 5 | Under 10 loans | Under 10 loans | 28.6% |
| TOP FLITE FINANCIAL, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Simple, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE ACCESS CORP. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| BAY EQUITY LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| THE ANDERSON FINANCIAL GROUP, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| GTE Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 0.0% |
| WALKER & DUNLOP, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| First Jackson Bank, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 5 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTH RIVER MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 42.9% |
| PLAZA HOME MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 42.9% |
| Flagstar Bank, N.A. | 4 | Under 10 loans | Under 10 loans | 42.9% |
| SWBC MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Farm Credit Mid-America | 4 | Under 10 loans | Under 10 loans | 20.0% |
| ENVOY MORTGAGE, LTD | 4 | Under 10 loans | Under 10 loans | 33.3% |
| The First National Bank of Middle Tennessee | 4 | Under 10 loans | Under 10 loans | 20.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGEONE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| DELTA COMMUNITY CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Cornerstone First Mortgage, Inc | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AML FUNDING LLC | 4 | 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 327 lenders each made 4 or fewer mortgages here, and are counted in the totals above.
Bank branches in Hamilton County
97 FDIC-insured branches from 23 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Truist Bank | 16 | $2.0 billion |
| Regions Bank | 15 | $1.6 billion |
| First Horizon Bank | 14 | $2.6 billion |
| Builtwell Bank | 6 | $351.6 million |
| Millennium Bank | 6 | $220.3 million |
| Pinnacle Bank | 5 | $2.6 billion |
| FirstBank | 5 | $692.9 million |
| SmartBank | 5 | $523.8 million |
| Bank of America, National Association | 4 | $717.6 million |
| JPMorgan Chase Bank, National Association | 4 | $53.5 million |
| SouthEast Bank | 2 | $346.0 million |
| Citizens Tri-County Bank | 2 | $156.7 million |
| The Park National Bank | 2 | $42.9 million |
| First Financial Bank, National Association | 2 | $27.3 million |
| RockPointBank, National Association | 1 | $335.8 million |
| Old National Bank | 1 | $117.4 million |
| WesBanco Bank, Inc. | 1 | $80.9 million |
| First-Citizens Bank & Trust Company | 1 | $53.0 million |
| United Community Bank | 1 | $51.6 million |
| Tower Community Bank | 1 | $27.7 million |
| Mountain Valley Bank | 1 | $19.7 million |
| The Huntington National Bank | 1 | $18.2 million |
| Wilson Bank and Trust | 1 | $12.9 million |
Closed since the 2025 survey
6 branches in the 2025 survey have no 2026 row: closed, sold, or moved.
- Bank of America, National Association, 200 W Martin Luther King Blvd, Ste 100, Chattanooga
- Cadence Bank, 631 Broad St, Ste 150, Chattanooga
- First Citizens National Bank, 2021 Hamilton Place Blvd, Ste A, Chattanooga
- First Citizens National Bank, 2120 Northgate Park Ln, Ste 100, Chattanooga
- Millennium Bank, 4712 Hixson Pike, Hixson
- Synovus Bank, 800 Market St, Ste 100, Chattanooga
Get told when this changes
When the next year’s lending figures are out for Hamilton County, or a lender arrives or leaves.
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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. 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.