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refinance lenders · HMDA 2023–2025

Refinance lenders in Tennessee

Fat Boy Data analyzed mortgage refinance activity in Tennessee to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 41,786 applications were decided by 677 lenders between 2023 and 2025.

Tennessee at a glance

677Active lenders174 with 20+ decisions
78.2%Market approval rate32,687 of 41,786 decided
$295KTypical loanmedian lender, $10K brackets
91%Borrower take-up29,900 loans funded

How Tennessee compares

Approval rate compared
Tennessee78.2%All 616 counties76.5%
Typical loan compared
Tennessee$295KAll 616 counties$295K

What the data shows

Regions Bank made the most mortgage refinances in Tennessee, 2,512 of them.

Legacy Home Loans, LLC approved the highest share of applications among lenders with at least 20 decisions here, 97% of 184.

Approval rate of all 60 lenders with 20+ decisions here
0%25%50%75%100%Discover Bank: 35% approved of 807Carrington Mortgage Services, LLC: 50% approved of 189Mortgage Research Center, LLC: 51% approved of 647Navy Federal Credit Union: 56% approved of 144Lakeview Loan Servicing, LLC: 58% approved of 929Truist Bank: 62% approved of 1,692Third Federal Savings And Loan Association Of Cleveland: 63% approved of 257Simmons Bank: 64% approved of 261Ascend Federal Credit Union: 66% approved of 234Bank of America, National Association: 66% approved of 864PNC Bank, National Association: 68% approved of 184Eastman Credit Union: 69% approved of 150Regions Bank: 70% approved of 4,005United Community Bank: 70% approved of 490First Horizon Bank: 72% approved of 2,237Citizens Bank, National Association: 73% approved of 251Newrez LLC: 73% approved of 503Wells Fargo Bank, National Association: 73% approved of 188Milend, Inc.: 73% approved of 241Trustmark Bank: 74% approved of 262Old National Bank: 74% approved of 212Onity Mortgage Corporation: 75% approved of 193Bank of Bartlett: 75% approved of 283Royal United Mortgage LLC: 75% approved of 257Fifth Third Bank, National Association: 75% approved of 600Loandepot.Com, LLC: 77% approved of 238Cadence Bank: 78% approved of 559Redstone Federal Credit Union: 80% approved of 211U.S. Bank National Association: 83% approved of 389Rocket Mortgage, LLC: 83% approved of 2,496Pinnacle Bank: 83% approved of 637LoanUnited.com, LLC: 83% approved of 143New American Funding, LLC: 84% approved of 167Mutual of Omaha Mortgage, Inc.: 84% approved of 301Finance of America Reverse LLC: 85% approved of 194First Farmers and Merchants Bank: 85% approved of 163Renasant Bank: 85% approved of 392Nationstar Mortgage LLC: 86% approved of 280Wilson Bank and Trust: 86% approved of 543Longbridge Financial, LLC: 87% approved of 185Planet Home Lending, LLC: 87% approved of 243F&M Bank: 87% approved of 342United Wholesale Mortgage, LLC: 88% approved of 3,231JPMorgan Chase Bank, National Association: 88% approved of 249Lawrence Bank: 89% approved of 244First Citizens National Bank: 89% approved of 150Guaranteed Rate, Inc.: 89% approved of 200ALTRA Federal Credit Union: 90% approved of 168Pennymac Loan Services, LLC: 90% approved of 1,081Mortgage Investors Group, Inc.: 90% approved of 200Amerihome Mortgage Company, LLC: 91% approved of 229Village Capital & Investment LLC: 92% approved of 663Home Federal Bank of Tennessee: 93% approved of 209Union Home Mortgage Corp.: 94% approved of 178Cmg Mortgage, Inc.: 94% approved of 432Crosscountry Mortgage, LLC: 95% approved of 243Freedom Mortgage Corporation: 95% approved of 1,852FirstBank: 96% approved of 272Movement Mortgage, LLC: 97% approved of 201Legacy Home Loans, LLC: 97% approved of 184

Each dot is one lender, placed at its approval rate. Hover for the name and sample size.

Refinance lenders in Tennessee

LenderApprovalApprovedTaken upTypical loanLoans made
1Regions Bank70%2,789 / 4,00590%$105K2,512
2United Wholesale Mortgage, LLCBroker only88%2,851 / 3,23193%$355K2,662
3Rocket Mortgage, LLC83%2,069 / 2,49693%$305K1,926
4First Horizon Bank72%1,602 / 2,23795%$175K1,529
5Freedom Mortgage Corporation95%1,766 / 1,85277%$315K1,364

Ranked by lending volume. Approval is the share of decided applications a lender approved; taken up is the share of approvals the borrower accepted. Lenders with fewer than 20 decisions are marked as a limited sample and are never used for a “highest approval” claim. How these numbers are built.

Fat Boy found 672 more lenders.

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You are seeing the 5 largest mortgage refinance lenders in Tennessee. Unlock every lender who decided one of these loans here, what they approved, how much borrowers actually took, and how far the nearest office is.

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Other lending data for Tennessee

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Counties in Tennessee

Shelby CountyCountyDavidson CountyCountyKnox CountyCountyHamilton CountyCountyRutherford CountyCountyWilliamson CountyCountyMontgomery CountyCountySumner CountyCountySullivan CountyCountyWilson CountyCountyBlount CountyCountyWashington CountyCounty