Mortgage lenders in Shelby County
14,545 mortgages were made in Shelby County, Tennessee, in 2025, by 528 lenders. The median rate their borrowers got was 6.528% on a median loan of $195,000. Of 21,144 decisions, 5,613 were denials — 26.6%, most often for credit history.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 838 | 6.688% | $175,000 | 25.3% |
| Pinnacle Bank | 767 | 6.375% | $145,000 | 12.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 640 | 6.125% | $265,000 | 20.7% |
| COMMUNITY MORTGAGE CORPORATION | 563 | 6.375% | $295,000 | 2.8% |
| Regions Bank | 546 | 4.990% | $75,000 | 54.7% |
| Cadence Bank | 537 | 6.375% | $235,000 | 18.4% |
| First Horizon Bank | 463 | 7.130% | $195,000 | 39.1% |
| GUARANTEED RATE, INC. | 331 | 6.375% | $185,000 | 8.7% |
| CROSSCOUNTRY MORTGAGE, INC. | 296 | 6.600% | $165,000 | 6.3% |
| Patriot Bank | 287 | 6.125% | $245,000 | 8.2% |
| Navy Federal Credit Union | 286 | 7.340% | $155,000 | 42.8% |
| Trustmark National Bank | 255 | 6.750% | $105,000 | 27.3% |
| Orion Federal Credit Union | 250 | 6.250% | $260,000 | 3.9% |
| Renasant Bank | 239 | 6.500% | $185,000 | 10.4% |
| Kiavi Funding, Inc. | 217 | 8.250% | $135,000 | 14.8% |
| FREEDOM MORTGAGE CORPORATION | 215 | 6.250% | $275,000 | 13.7% |
| Mortgage Research Center, LLC | 210 | 6.500% | $285,000 | 32.7% |
| Bank of Bartlett | 206 | 6.990% | $140,000 | 42.4% |
| Leaders Credit Union | 205 | 6.490% | $225,000 | 12.0% |
| MORTGAGE INVESTORS GROUP, INC. | 187 | 6.490% | $305,000 | 2.1% |
| BARTLETT MORTGAGE, INC. | 172 | 6.490% | $280,000 | 2.6% |
| First South Financial Federally Insured State-Chartered Credit Union | 171 | 1.990% | $145,000 | 30.8% |
| PENNYMAC LOAN SERVICES, LLC | 170 | 5.990% | $260,000 | 19.6% |
| Bank of America, National Association | 162 | 6.125% | $120,000 | 61.9% |
| Financial Federal Bank | 162 | 6.125% | $210,000 | 1.2% |
| Simmons Bank | 155 | 6.375% | $205,000 | 28.0% |
| Truist Bank | 149 | 6.790% | $145,000 | 54.9% |
| Evolve Bank & Trust | 145 | 6.490% | $245,000 | 6.8% |
| Broker Solutions, Inc. | 139 | 6.625% | $175,000 | 21.8% |
| NATIONSTAR MORTGAGE LLC | 125 | 7.625% | $105,000 | 21.1% |
| BPL MORTGAGE TRUST, LLC | 125 | 7.375% | $105,000 | 13.8% |
| Loandepot.Com, LLC | 124 | 6.490% | $195,000 | 32.5% |
| NEWREZ LLC | 112 | 6.500% | $205,000 | 54.8% |
| JPMorgan Chase Bank, National Association | 105 | 6.500% | $195,000 | 17.3% |
| Commercial Bank & Trust Co. | 100 | Not published | $160,000 | 9.9% |
| Loan Funder LLC | 96 | 7.510% | $125,000 | 20.0% |
| EVERETT FINANCIAL, INC. | 96 | 6.625% | $245,000 | 5.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 94 | 6.375% | $325,000 | 2.0% |
| Paragon Bank | 85 | Not published | $255,000 | 3.4% |
| FIRST COMMUNITY MORTGAGE, INC. | 84 | 6.495% | $240,000 | 13.9% |
| LIMA ONE CAPITAL, LLC | 83 | 7.783% | $115,000 | 13.5% |
| Independent Bank | 80 | Not published | $265,000 | 5.9% |
| Memphis City Employees Credit Union | 76 | Not published | $105,000 | 24.0% |
| DHI MORTGAGE COMPANY, LTD. | 75 | 4.990% | $325,000 | 15.0% |
| FEDEX EMPLOYEES CREDIT ASSOCIATION | 73 | 7.500% | $75,000 | 11.4% |
| GoodLeap, LLC | 71 | 6.875% | $105,000 | 29.5% |
| AmeriSave Mortgage Corporation | 70 | 7.063% | $80,000 | 79.8% |
| GUILD MORTGAGE COMPANY | 70 | 6.500% | $150,000 | 8.8% |
| 254900CTT87ZKAUTIJ37 | 70 | 8.375% | $125,000 | 17.7% |
| STOCKTON MORTGAGE CORPORATION | 69 | 6.500% | $225,000 | 16.3% |
| Coastal Community Bank | 66 | 10.115% | $45,000 | 3.5% |
| The Bank of Fayette County | 64 | Not published | $150,000 | 5.8% |
| FIGURE LENDING LLC | 63 | 9.850% | $55,000 | 33.6% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 61 | 6.490% | $215,000 | 27.3% |
| Citizens Bank, National Association | 61 | 7.900% | $115,000 | 33.7% |
| Community Bank of Mississippi | 60 | 7.750% | $200,000 | 10.1% |
| Wells Fargo Bank, National Association | 56 | 6.500% | $185,000 | 30.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 56 | 6.625% | $205,000 | 10.5% |
| CARRINGTON MORTGAGE SERVICES, LLC | 55 | 6.125% | $185,000 | 64.0% |
| CHAMPIONS FUNDING, LLC | 55 | 7.375% | $175,000 | 38.9% |
| AMERICAN HERITAGE LENDING, LLC | 54 | 7.500% | $140,000 | 3.0% |
| SPRING EQ, LLC | 53 | 9.175% | $65,000 | 58.5% |
| First Citizens National Bank | 52 | 7.045% | $250,000 | 14.5% |
| U.S. Bank National Association | 51 | 8.100% | $105,000 | 51.8% |
| Bank3 | 50 | Not published | $240,000 | 7.3% |
| Nations Lending Corporation | 50 | 6.375% | $220,000 | 5.5% |
| AMWEST FUNDING CORP. | 46 | 6.875% | $135,000 | 2.1% |
| Brighton Bank | 45 | 6.500% | $275,000 | 2.1% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 44 | 6.500% | $245,000 | 18.2% |
| Equity Prime Mortgage LLC | 42 | 6.313% | $210,000 | 29.5% |
| Planters Bank & Trust Company | 42 | 7.250% | $175,000 | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 41 | 7.500% | $135,000 | 40.6% |
| HOPE FEDERAL CREDIT UNION | 41 | 6.625% | $125,000 | 38.8% |
| Wolfe Financial, Inc | 40 | 6.750% | $295,000 | 11.1% |
| UNION HOME MORTGAGE CORP. | 40 | 5.990% | $320,000 | 2.4% |
| MORTGAGE FINANCIAL SERVICES, LLC | 38 | 6.875% | $225,000 | 0.0% |
| CMG MORTGAGE, INC. | 37 | 6.750% | $275,000 | 2.3% |
| SUN WEST MORTGAGE COMPANY, INC. | 36 | 5.888% | $290,000 | 14.3% |
| Cornerstone First Mortgage, Inc | 35 | 6.625% | $275,000 | 5.4% |
| LENDINGONE, LLC | 32 | 7.120% | $140,000 | 48.4% |
| Lendage, LLC | 32 | 11.500% | $60,000 | 12.2% |
| T2 FINANCIAL LLC | 32 | 6.750% | $265,000 | 8.3% |
| SOFI BANK, NATIONAL ASSOCIATION | 31 | 7.125% | $105,000 | 24.4% |
| Luminate Bank | 31 | 6.900% | $175,000 | 3.0% |
| Guaranty Bank and Trust Company | 31 | 7.125% | $175,000 | 13.9% |
| HOMEXPRESS MORTGAGE CORP. | 30 | 7.250% | $135,000 | 59.2% |
| USAA Federal Savings Bank | 30 | 6.375% | $280,000 | 37.5% |
| Paramount Residential Mortgage Group, Inc. | 30 | 6.500% | $170,000 | 14.3% |
| DIRECTIONS EQUITY, LLC | 29 | 6.125% | $225,000 | 3.1% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 29 | 6.750% | $195,000 | 11.1% |
| OCMBC, INC. | 28 | 7.125% | $160,000 | 17.8% |
| Commerce Home Mortgage, Inc. | 28 | 6.875% | $205,000 | 22.2% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 28 | 6.490% | $240,000 | 17.7% |
| FirstBank | 28 | 6.625% | $210,000 | 9.4% |
| Hometown Equity Mortgage, LLC | 27 | 6.750% | $165,000 | 53.4% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 27 | 10.115% | $95,000 | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 26 | 6.250% | $265,000 | 57.5% |
| BETTER MORTGAGE CORPORATION | 26 | 8.313% | $135,000 | 51.8% |
| PHH Mortgage Corporation | 26 | 6.250% | $215,000 | 20.6% |
| NEW DAY FINANCIAL, LLC | 24 | 6.990% | $230,000 | 56.9% |
| Discover Bank | 24 | 8.460% | $85,000 | 76.2% |
| Emporium TPO LLC | 24 | 6.563% | $195,000 | 16.2% |
| Click n' Close, Inc. | 24 | 6.688% | $130,000 | 11.1% |
| SOUTHWEST FUNDING, LP | 24 | 6.500% | $235,000 | 10.3% |
| KIND LENDING, LLC | 23 | 6.990% | $185,000 | 36.1% |
| Third Federal Savings and Loan Association of Cleveland | 23 | 6.990% | $105,000 | 28.1% |
| AMERICAN FINANCIAL RESOURCES, INC. | 23 | 6.500% | $285,000 | 14.8% |
| PNC Bank, National Association | 22 | 7.600% | $115,000 | 30.3% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 22 | 11.330% | $65,000 | 30.3% |
| RELIANCE FIRST CAPITAL, LLC | 22 | 6.875% | $200,000 | 0.0% |
| THE LOAN STORE, INC. | 21 | 6.750% | $165,000 | 16.7% |
| Bank of Holly Springs | 21 | Not published | $155,000 | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 20 | 6.313% | $285,000 | 28.6% |
| ROYAL UNITED MORTGAGE LLC | 20 | 6.813% | $95,000 | 34.4% |
| TOWNE MORTGAGE COMPANY | 20 | 6.375% | $245,000 | 8.7% |
| VILLAGE CAPITAL & INVESTMENT LLC | 19 | 5.750% | $265,000 | 38.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | 19 | 7.125% | $115,000 | 26.9% |
| AMERIHOME MORTGAGE COMPANY, LLC | 19 | 6.375% | $245,000 | 20.0% |
| DOMINION FINANCIAL SERVICES, LLC | 18 | 7.250% | $160,000 | 0.0% |
| PLANET HOME LENDING, LLC | 18 | 5.750% | $290,000 | 28.0% |
| Prosperity Home Mortgage, LLC | 18 | 6.375% | $285,000 | 14.3% |
| ZILLOW HOME LOANS, LLC | 18 | 6.563% | $245,000 | 5.3% |
| PENTAGON FEDERAL CREDIT UNION | 17 | 7.625% | $105,000 | 43.3% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 16 | 7.437% | $180,000 | 11.1% |
| GENEVA FINANCIAL, LLC | 16 | 7.250% | $120,000 | 0.0% |
| Stifel Bank and Trust | 16 | 6.125% | $150,000 | 0.0% |
| ServisFirst Bank | 16 | 6.690% | $135,000 | 5.9% |
| CONVENTUS LLC | 16 | 7.125% | $125,000 | 0.0% |
| Southern Bancorp Bank | 15 | 7.750% | $185,000 | 8.0% |
| CHURCHILL MORTGAGE CORPORATION | 15 | 6.625% | $235,000 | 0.0% |
| Eagle Bank and Trust Company | 15 | 6.500% | $325,000 | 0.0% |
| 254900M2C4Q6DATP2889 | 14 | 5.990% | $230,000 | 26.3% |
| NFM, INC. | 14 | 7.313% | $155,000 | 17.7% |
| FIRSTTRUST HOME LOANS, INC. | 14 | 6.375% | $135,000 | 0.0% |
| Bank of England | 14 | 6.438% | $260,000 | 0.0% |
| First National Bank of Eastern Arkansas | 14 | Not published | $135,000 | 0.0% |
| SIRVA MORTGAGE, INC. | 13 | 6.500% | $455,000 | 4.4% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 13 | 7.000% | $235,000 | 16.7% |
| Fairway Independent Mortgage Corporation | 13 | 6.625% | $235,000 | 0.0% |
| LoanUnited.com, LLC | 12 | 5.750% | $365,000 | 40.0% |
| MOVEMENT MORTGAGE, LLC | 12 | 7.531% | $150,000 | 20.0% |
| LOWER, LLC | 12 | 6.500% | $185,000 | 7.7% |
| U. T. Federal Credit Union | 12 | 6.500% | $135,000 | 13.3% |
| 984500RF83EA742B5589 | 12 | 7.008% | $160,000 | 0.0% |
| First Commercial Bank | 12 | Not published | $520,000 | 0.0% |
| FBC MORTGAGE, LLC | 12 | 4.990% | $360,000 | 0.0% |
| INSOUTH Bank | 12 | Not published | $135,000 | 0.0% |
| The Federal Savings Bank | 11 | 6.250% | $265,000 | 15.4% |
| Beeline Loans, Inc. | 11 | 6.750% | $155,000 | 21.4% |
| CONSTRUCTIVE LOANS, LLC | 11 | 7.375% | $125,000 | 0.0% |
| Fifth Third Bank, National Association | 10 | 6.813% | $185,000 | 55.6% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 10 | 6.120% | $345,000 | 14.3% |
| First Federal Bank | 10 | 6.438% | $360,000 | 16.7% |
| FIRST COLONY MORTGAGE CORPORATION | 10 | 6.813% | $165,000 | 15.4% |
| BankPlus | 10 | 6.500% | $265,000 | 15.4% |
| NEXERA HOLDING LLC | 10 | 7.375% | $135,000 | 0.0% |
| GUIDANCE RESIDENTIAL, LLC | 10 | 6.688% | $225,000 | 0.0% |
| First National Bank of America | 10 | 9.063% | $175,000 | 9.1% |
| EMM LOANS LLC | 10 | 6.438% | $335,000 | 9.1% |
| BankTennessee | 10 | Not published | $115,000 | 0.0% |
| ENVOY MORTGAGE, LTD | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Raymond James Bank | 9 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 9 | Under 10 loans | Under 10 loans | 10.0% |
| A&D Mortgage LLC | 8 | Under 10 loans | Under 10 loans | 33.3% |
| ALLIANT CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 52.6% |
| NBKC BANK | 8 | Under 10 loans | Under 10 loans | 27.3% |
| AMERICAN INTERNET MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 27.3% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 8 | Under 10 loans | Under 10 loans | 20.0% |
| Sierra Pacific Mortgage Company, Inc. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| CLEARPATH LENDING | 8 | Under 10 loans | Under 10 loans | 20.0% |
| FIRST ALLIANCE HOME MORTGAGE, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| VISTA POINT MORTGAGE, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 7 | Under 10 loans | Under 10 loans | 30.0% |
| ASCEND FEDERAL CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 22.2% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Arvest Bank | 7 | Under 10 loans | Under 10 loans | 12.5% |
| GENWAY HOME MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| AMERICAN MORTGAGE SERVICES INCORPORATED | 7 | Under 10 loans | Under 10 loans | 0.0% |
| The Citizens National Bank of Meridian | 7 | Under 10 loans | Under 10 loans | 0.0% |
| MILEND, INC. | 6 | Under 10 loans | Under 10 loans | 50.0% |
| COREVEST AMERICAN FINANCE LENDER LLC | 6 | Under 10 loans | Under 10 loans | 16.7% |
| Filo Mortgage, L.L.C. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 6 | Under 10 loans | Under 10 loans | 0.0% |
| SUMMIT FUNDING, INC. | 6 | Under 10 loans | Under 10 loans | 25.0% |
| Barrington Bank & Trust Company, National Association | 6 | Under 10 loans | Under 10 loans | 25.0% |
| Wings Financial Credit Union | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Northpointe Bank | 6 | Under 10 loans | Under 10 loans | 14.3% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 6 | Under 10 loans | Under 10 loans | 14.3% |
| AMERITRUST MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| SECURITY BANK AND TRUST COMPANY | 6 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 5 | Under 10 loans | Under 10 loans | 80.6% |
| 21st Mortgage Corporation | 5 | Under 10 loans | Under 10 loans | 74.1% |
| TRIAD FINANCIAL SERVICES, INC. | 5 | Under 10 loans | Under 10 loans | 60.9% |
| Manufacturers and Traders Trust Company | 5 | Under 10 loans | Under 10 loans | 44.4% |
| TOP FLITE FINANCIAL, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Fortera Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 33.3% |
| REDSTONE Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 14.3% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Bison State Bank | 5 | 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 328 lenders each made 5 or fewer mortgages here, and are counted in the totals above.
Bank branches in Shelby County
203 FDIC-insured branches from 33 banks, as of 30 June 2026, with the deposits held at them.
Closed since the 2025 survey
19 branches in the 2025 survey have no 2026 row: closed, sold, or moved.
- Cadence Bank, 3634 Austin Peay Hwy, Ste 102, Memphis
- Cadence Bank, 3694 S Houston Levee Rd, Collierville
- Cadence Bank, 40 N Pauline St, Memphis
- Cadence Bank, 591 S Mendenhall Rd, Memphis
- Cadence Bank, 6363 Poplar Ave, Ste 125, Memphis
- Cadence Bank, 6675 Stage Rd, Bartlett
- Cadence Bank, 7800 Winchester Rd, Memphis
- Cadence Bank, 8146 Us-51 N, Millington
- Cadence Bank, 8340 Us Highway 64, Ste 102, Bartlett
- FSNB, National Association, 560 W Poplar Ave, Collierville
- First Citizens National Bank, 3668 S Houston Levee Rd, Collierville
- First Citizens National Bank, 5845 Airline Rd, Arlington
- First Citizens National Bank, 7580 Us Highway 70, Bartlett
- First Citizens National Bank, 8170 Us Highway 51 N, Millington
- FirstBank, 8398 Us Highway 64, Bartlett
- Guaranty Bank and Trust Company, 51 Germantown Ct, Ste 100, Cordova
- INSOUTH Bank, 5299 Poplar Ave, Memphis
- Regions Bank, 2491 Winchester Rd, Ste 226, Memphis
- Simmons Bank, 1227 S Germantown Rd, Ste 101, Germantown
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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.