Refinancing lenders in Morgan County
70 refinancing mortgages were made in Morgan County, Tennessee, in 2025, by 45 lenders. The median rate their borrowers got was 6.250% on a median loan of $215,000. Of 90 decisions, 15 were denials — 16.7%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| One Bank of Tennessee | 18 | 7.500% | $80,000 | 0.0% |
| Rocket Mortgage, LLC | 10 | 5.990% | $225,000 | 15.4% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Regions Bank | 3 | Under 10 loans | Under 10 loans | 55.6% |
| Mortgage Research Center, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Y-12 Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NEWREZ LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| STOCKTON MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Truist Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FRANKLIN LOAN CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OCEANSIDE MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Loandepot.Com, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Financial Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EMM LOANS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CLEARPATH LENDING | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NOVA FINANCIAL & INVESTMENT CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KIND LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| United Cumberland Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL UNITED MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| U.S. Bank National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ORNL | 0 | Under 10 loans | Under 10 loans | Not published |
| CANOPY MORTGAGE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Third Federal Savings and Loan Association of Cleveland | 0 | Under 10 loans | Under 10 loans | 100.0% |
| SmartBank | 0 | Under 10 loans | Under 10 loans | 0.0% |
| LoanUnited.com, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| PENNYMAC LOAN SERVICES, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| SOUTH RIVER MORTGAGE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Navy Federal Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| GENWAY HOME MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| LONGBRIDGE FINANCIAL, LLC | 0 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| MILEND, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| VILLAGE CAPITAL & INVESTMENT LLC | 0 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE INVESTORS GROUP, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| PHH Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | Not published |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials.
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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.