Refinancing lenders in Hamilton County
1,498 refinancing mortgages were made in Hamilton County, Tennessee, in 2025, by 250 lenders. The median rate their borrowers got was 6.125% on a median loan of $255,000. Of 1,951 decisions, 331 were denials — 17.0%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Regions Bank | 141 | 4.990% | $105,000 | 25.9% |
| Rocket Mortgage, LLC | 133 | 5.990% | $315,000 | 13.3% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 107 | 5.625% | $335,000 | 15.6% |
| Builtwell Bank | 79 | Not published | $135,000 | 13.8% |
| Truist Bank | 71 | 6.790% | $125,000 | 32.7% |
| FREEDOM MORTGAGE CORPORATION | 68 | 6.250% | $325,000 | 3.5% |
| UNION HOME MORTGAGE CORP. | 43 | 5.990% | $305,000 | 8.2% |
| Kiavi Funding, Inc. | 43 | 7.625% | $185,000 | 10.4% |
| First Horizon Bank | 36 | 7.250% | $155,000 | 9.8% |
| PENNYMAC LOAN SERVICES, LLC | 35 | 5.750% | $355,000 | 9.3% |
| CMG MORTGAGE, INC. | 35 | 6.500% | $285,000 | 2.6% |
| FirstBank | 28 | 6.313% | $325,000 | 0.0% |
| SUMMIT FUNDING, INC. | 26 | 6.438% | $305,000 | 7.1% |
| MOVEMENT MORTGAGE, LLC | 23 | 5.990% | $365,000 | 0.0% |
| Pinnacle Bank | 23 | 6.500% | $335,000 | 16.7% |
| NEWREZ LLC | 21 | 5.750% | $355,000 | 20.7% |
| TENNESSEE VALLEY FCU | 21 | 5.595% | $255,000 | 36.4% |
| LONGBRIDGE FINANCIAL, LLC | 21 | 5.875% | $155,000 | 0.0% |
| Mortgage Research Center, LLC | 19 | 5.875% | $345,000 | 38.7% |
| MILLENNIUM BANK | 17 | Not published | $165,000 | 5.3% |
| Citizens Tri-County Bank | 17 | 6.375% | $115,000 | 0.0% |
| Bank of America, National Association | 16 | 5.990% | $180,000 | 21.7% |
| LAKEVIEW LOAN SERVICING, LLC | 15 | 6.125% | $305,000 | 42.5% |
| NATIONSTAR MORTGAGE LLC | 13 | 6.125% | $285,000 | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 12 | 6.125% | $335,000 | 7.7% |
| SmartBank | 12 | 6.875% | $310,000 | 16.7% |
| Broker Solutions, Inc. | 10 | 6.562% | $290,000 | 23.1% |
| CROSSCOUNTRY MORTGAGE, INC. | 10 | 6.308% | $315,000 | 9.1% |
| Loandepot.Com, LLC | 10 | 5.808% | $315,000 | 38.9% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| MOUNTAIN VALLEY BANK | 9 | Under 10 loans | Under 10 loans | 0.0% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Old National Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| LoanUnited.com, LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| PHH Mortgage Corporation | 7 | Under 10 loans | Under 10 loans | 20.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | 7 | Under 10 loans | Under 10 loans | 36.4% |
| Discover Bank | 6 | Under 10 loans | Under 10 loans | 61.1% |
| Citizens Bank, National Association | 6 | Under 10 loans | Under 10 loans | 40.0% |
| JPMorgan Chase Bank, National Association | 6 | Under 10 loans | Under 10 loans | 22.2% |
| Cadence Bank | 6 | Under 10 loans | Under 10 loans | 40.0% |
| RockPointBank, National Association | 6 | Under 10 loans | Under 10 loans | 14.3% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| CHATTANOOGA AREA SCHOOLS FEDERAL CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| First Citizens National Bank | 5 | Under 10 loans | Under 10 loans | 37.5% |
| MORTGAGE INVESTORS GROUP, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 5 | Under 10 loans | Under 10 loans | 14.3% |
| SouthEast Bank | 5 | Under 10 loans | Under 10 loans | 28.6% |
| THE LOAN STORE, INC. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| WALKER & DUNLOP, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Synovus Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| MILEND, INC. | 4 | Under 10 loans | Under 10 loans | 28.6% |
| SOUTH RIVER MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| CANOPY MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| United Community Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Lendage, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| KIND LENDING, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SPRING EQ, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| HOMESTEAD FUNDING CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PNC Bank, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 3 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN HERITAGE LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| STOCKTON MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| INTELLILOAN, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Wells Fargo Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Renasant Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CAPITAL CONCEPTS, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TRADITIONAL MORTGAGE ACCEPTANCE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Emporium TPO LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| SOFI BANK, NATIONAL ASSOCIATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL UNITED MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| WILSON BANK AND TRUST | 2 | Under 10 loans | Under 10 loans | 50.0% |
| 254900CTT87ZKAUTIJ37 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Funder LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Legacy Home Loans, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Right | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Legends Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bison State Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Southeast Financial | 2 | Under 10 loans | Under 10 loans | 33.3% |
| THE ANDERSON FINANCIAL GROUP, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| U.S. Bank National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Fifth Third Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank & Trust, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ALAMEDA MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| IVY MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LAND HOME FINANCIAL SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Liberty | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Simple, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Chattanooga Federal Employees Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Simmons Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| COMMUNITY MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Jackson Bank, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BELLWETHER ENTERPRISE REAL ESTATE CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Cleveland | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Homeland Community Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Ameris Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| WesBanco Bank, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 88.9% |
| Navy Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| GUARANTY MORTGAGE SERVICES, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Fairway Independent Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GoodLeap, LLC | 1 | Under 10 loans | Under 10 loans | 75.0% |
| LADERA LENDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ENDEAVOR CAPITAL, LLC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FEDERAL MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 33.3% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SayGO Home Loans, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UIF CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KINECTA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FLAT BRANCH MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| QUORUM FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TRUST Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AmeriSave Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 50.0% |
| First-Citizens Bank & Trust Company | 1 | Under 10 loans | Under 10 loans | 50.0% |
| First Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Associated Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GO MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Hearthside Bank Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Synergy One Lending, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Flanagan State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE ASSURANCE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AAA CAPITAL INVESTMENT, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AML FUNDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGEONE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Gateway First Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OCEANSIDE MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Primis Mortgage Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FBC MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROSS MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Presidential Bank, FSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| INTERCOASTAL MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PriorityOne Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AFFORDABLE MORTGAGE ADVISORS, LLC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| American Security Mortgage Corp. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| REDWOOD RESIDENTIAL ACQUISITION CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ADVANCIAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| University Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Capital City Home Loans, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bethpage Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Andrew Johnson Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Peoples Bank of the South | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Mid-Continent Funding, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CU COMMUNITY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Commercial Bank & Trust Co. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| V.I.P. MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 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% |
| BankPlus | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTHEAST MORTGAGE OF GEORGIA, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Studio Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED NORTHERN MORTGAGE BANKERS LIMITED | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TEN CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Peoples Bank of East Tennessee | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OrangePath Financial Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 984500FAD1FB7FEGTE82 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Goldman Sachs Bank USA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Raymond James Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERITRUST MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| LEADERONE FINANCIAL CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 50 lenders each made 0 or fewer mortgages here, and are counted in the totals above.
Get told when this changes
When the next year’s lending figures are out for Hamilton 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. 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.