Home purchase lenders in Rutherford County
5,017 home purchase mortgages were made in Rutherford County, Tennessee, in 2025, by 355 lenders. The median rate their borrowers got was 6.375% on a median loan of $365,000. Of 5,781 decisions, 603 were denials — 10.4%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| CMG MORTGAGE, INC. | 425 | 6.500% | $355,000 | 1.8% |
| FirstBank | 263 | 6.500% | $325,000 | 3.3% |
| FIRST COMMUNITY MORTGAGE, INC. | 261 | 6.250% | $375,000 | 4.6% |
| Pinnacle Bank | 246 | 6.000% | $285,000 | 7.8% |
| Primis Mortgage Company | 232 | 6.490% | $365,000 | 3.3% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 227 | 6.374% | $365,000 | 10.1% |
| NVR Mortgage Finance, Inc. | 192 | 5.990% | $385,000 | 15.0% |
| Loandepot.Com, LLC | 152 | 4.990% | $430,000 | 22.5% |
| Rocket Mortgage, LLC | 134 | 6.495% | $370,000 | 15.6% |
| SWBC MORTGAGE CORPORATION | 124 | 6.625% | $365,000 | 6.0% |
| LENNAR MORTGAGE, LLC | 113 | 4.990% | $495,000 | 19.7% |
| The First National Bank of Middle Tennessee | 108 | 6.375% | $355,000 | 6.8% |
| CROSSCOUNTRY MORTGAGE, INC. | 100 | 6.625% | $405,000 | 3.8% |
| WILSON BANK AND TRUST | 90 | 6.650% | $320,000 | 5.8% |
| TRAILBLAZER MORTGAGE L.L.C. | 83 | 3.990% | $465,000 | 4.6% |
| Ixonia Bank | 73 | 6.625% | $355,000 | 7.6% |
| Legacy Home Loans, LLC | 64 | 6.625% | $375,000 | 0.0% |
| DHI MORTGAGE COMPANY, LTD. | 63 | 5.500% | $325,000 | 16.9% |
| PULTE MORTGAGE LLC | 60 | 6.375% | $465,000 | 21.8% |
| Mortgage Research Center, LLC | 59 | 6.250% | $405,000 | 11.9% |
| GUARANTEED RATE, INC. | 59 | 6.550% | $355,000 | 7.8% |
| ASCEND FEDERAL CREDIT UNION | 55 | 5.750% | $355,000 | 5.2% |
| MOVEMENT MORTGAGE, LLC | 52 | 6.281% | $335,000 | 0.0% |
| Broker Solutions, Inc. | 50 | 6.625% | $335,000 | 0.0% |
| Liberty | 44 | 6.500% | $440,000 | 8.3% |
| Ameris Bank | 43 | 6.500% | $315,000 | 6.5% |
| Fairway Independent Mortgage Corporation | 40 | 6.750% | $370,000 | 7.0% |
| U.S. Bank National Association | 39 | 6.625% | $395,000 | 16.7% |
| Regions Bank | 38 | 6.500% | $355,000 | 22.6% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 35 | 6.250% | $415,000 | 44.4% |
| Navy Federal Credit Union | 34 | 6.000% | $370,000 | 8.1% |
| JPMorgan Chase Bank, National Association | 33 | 6.375% | $375,000 | 12.5% |
| PENNYMAC LOAN SERVICES, LLC | 33 | 6.375% | $425,000 | 13.2% |
| ISERVE RESIDENTIAL LENDING, LLC | 33 | 6.500% | $345,000 | 2.6% |
| INSPIRE HOME LOANS INC. | 32 | 5.000% | $465,000 | 11.1% |
| CHURCHILL MORTGAGE CORPORATION | 32 | 6.750% | $390,000 | 2.9% |
| Bank of America, National Association | 31 | 6.250% | $275,000 | 20.5% |
| Old National Bank | 30 | 6.250% | $330,000 | 21.1% |
| REDSTONE Federal Credit Union | 29 | 6.625% | $315,000 | 8.8% |
| A&D Mortgage LLC | 29 | 6.490% | $425,000 | 6.5% |
| JET HOMELOANS, LP | 28 | 4.990% | $385,000 | 0.0% |
| First Horizon Bank | 26 | 6.250% | $355,000 | 16.1% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 24 | 6.750% | $455,000 | 0.0% |
| Farm Credit Mid-America | 23 | 7.125% | $485,000 | 4.2% |
| CANOPY MORTGAGE, LLC | 23 | 6.500% | $385,000 | 0.0% |
| United Community Bank | 22 | 6.438% | $430,000 | 8.3% |
| M/I FINANCIAL, LLC | 22 | 4.875% | $355,000 | 7.1% |
| Texana Bank, National Association | 22 | 6.563% | $325,000 | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 20 | 6.313% | $350,000 | 4.8% |
| KIND LENDING, LLC | 18 | 6.438% | $365,000 | 30.8% |
| NEWREZ LLC | 18 | 6.750% | $455,000 | 10.0% |
| THE LOAN STORE, INC. | 18 | 6.490% | $295,000 | 0.0% |
| Northpointe Bank | 16 | 6.125% | $400,000 | 27.3% |
| MORTGAGE INVESTORS GROUP, INC. | 16 | 6.313% | $345,000 | 15.8% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 16 | 6.563% | $350,000 | 5.9% |
| UNION HOME MORTGAGE CORP. | 16 | 6.563% | $370,000 | 11.1% |
| 21st Mortgage Corporation | 15 | 10.360% | $85,000 | 78.6% |
| Fifth Third Bank, National Association | 15 | 6.250% | $395,000 | 25.0% |
| SOUTHWEST FUNDING, LP | 15 | 6.750% | $355,000 | 6.3% |
| AMERICAN FINANCIAL NETWORK, INC. | 15 | 6.750% | $355,000 | 11.8% |
| INTERLINC MORTGAGE SERVICES, LLC | 14 | 6.625% | $350,000 | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 14 | 6.563% | $350,000 | 0.0% |
| OCMBC, INC. | 13 | 7.250% | $365,000 | 31.8% |
| Truist Bank | 13 | 6.490% | $345,000 | 7.1% |
| Republic Bank & Trust Company | 13 | 5.750% | $345,000 | 7.1% |
| SmartBank | 12 | 7.250% | $330,000 | 6.7% |
| HERITAGE SOUTH COMMUNITY CU | 12 | 8.350% | $220,000 | 6.3% |
| Southern Bank of Tennessee | 12 | Not published | $290,000 | 0.0% |
| GUILD MORTGAGE COMPANY | 12 | 6.063% | $385,000 | 7.1% |
| PREMIER LENDING, INC. | 12 | 6.438% | $425,000 | 0.0% |
| USAA Federal Savings Bank | 11 | 6.125% | $375,000 | 35.3% |
| Wells Fargo Bank, National Association | 11 | 6.250% | $335,000 | 0.0% |
| Renasant Bank | 11 | 6.500% | $365,000 | 8.3% |
| SUMMIT FUNDING, INC. | 11 | 6.750% | $355,000 | 14.3% |
| FIRST COMMERCE BANK | 11 | Not published | $265,000 | 0.0% |
| Southern Bancorp Bank | 10 | 6.125% | $400,000 | 0.0% |
| TOLL BROTHERS MORTGAGE COMPANY | 10 | 6.490% | $380,000 | 23.5% |
| HOMEAMERICAN MORTGAGE CORPORATION | 10 | 4.750% | $485,000 | 9.1% |
| PNC Bank, National Association | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Cadence Bank | 9 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 9 | Under 10 loans | Under 10 loans | 18.2% |
| NATIONSTAR MORTGAGE LLC | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Paramount Residential Mortgage Group, Inc. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Legends Bank | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Kiavi Funding, Inc. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| DSLD MORTGAGE, LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| FIRST EQUITY MORTGAGE INCORPORATED | 8 | Under 10 loans | Under 10 loans | 0.0% |
| COMMUNITY MORTGAGE CORPORATION | 8 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 8 | Under 10 loans | Under 10 loans | 27.3% |
| Volunteer State Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 6 | Under 10 loans | Under 10 loans | 14.3% |
| First National Bank of America | 6 | Under 10 loans | Under 10 loans | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 14.3% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 6 | Under 10 loans | Under 10 loans | 25.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Heritage Mortgage, LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| CASTLE & COOKE MORTGAGE, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| CHAMPIONS FUNDING, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| CITIZENS SAVINGS BANK AND TRUST COMPANY | 6 | Under 10 loans | Under 10 loans | 0.0% |
| LoanUnited.com, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| BAY EQUITY LLC | 5 | Under 10 loans | Under 10 loans | 28.6% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| City Lending Inc. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| NEXERA HOLDING LLC | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Citizens Tri-County Bank | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Studio Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Bell Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| NBKC BANK | 5 | Under 10 loans | Under 10 loans | 16.7% |
| GENWAY HOME MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| BRIGHTLAND MORTGAGE SERVICES, LTD. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 4 | Under 10 loans | Under 10 loans | 22.2% |
| CARRINGTON MORTGAGE SERVICES, LLC | 4 | Under 10 loans | Under 10 loans | 16.7% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 4 | Under 10 loans | Under 10 loans | 33.3% |
| PENTAGON FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FIRSTTRUST HOME LOANS, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| HOPE FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 33.3% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| STOCKTON MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CB&S Bank, Inc. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 4 | Under 10 loans | Under 10 loans | 20.0% |
| OriginPoint, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| PLAZA HOME MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| PRINCETON MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ServisFirst Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Empeople Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| TOP FLITE FINANCIAL, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Texas National Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Simmons Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GARDNER FINANCIAL SERVICES, LTD. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ZILLOW HOME LOANS, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| 254900CTT87ZKAUTIJ37 | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Premia Mortgage, LLC DBA Premia Relocation Mortgage | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SHELTER LENDING SERVICES, L.L.C. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| DELMAR FINANCIAL COMPANY | 3 | Under 10 loans | Under 10 loans | 0.0% |
| V.I.P. MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| COMPASS MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| 5493005QMX3SJKDTQZ62 | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NMSI, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| EUSTIS MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ACOPIA, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GUIDANCE RESIDENTIAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First Citizens National Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| FlexPoint, Inc. | 2 | Under 10 loans | Under 10 loans | 25.0% |
| Loan Funder LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EASTMAN CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 25.0% |
| ENVOY MORTGAGE, LTD | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank, National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Flagstar Bank, N.A. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Axos Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Tennessee | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CALCON MUTUAL MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| OrangePath Financial Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Trustmark National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PACIFIC LENDING LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 3RD STREET FINANCIAL CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| OnPath Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ROSS MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Simple, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TENNESSEE VALLEY FCU | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Financial Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Midwest BankCentre | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Brighton Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BoxCar Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Suncoast Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MASON MCDUFFIE MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VAN DYK MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of Pulaski | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Discover Bank | 1 | Under 10 loans | Under 10 loans | 66.7% |
| LIMA ONE CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| 254900O723MCLR701H50 | 1 | Under 10 loans | Under 10 loans | 50.0% |
| STG MORTGAGE INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTHWEST STAGE FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CLEAREDGE LENDING LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| NFM, 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 155 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.