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refinance lenders · HMDA 2023–2025

Refinance lenders in Shelby County, Tennessee

Fat Boy Data analyzed mortgage refinance activity in Shelby County, 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. 5,832 applications were decided by 255 lenders between 2023 and 2025.

Shelby County at a glance

255Active lenders48 with 20+ decisions
70.5%Market approval rate4,114 of 5,832 decided
$205KTypical loanmedian lender, $10K brackets
91%Borrower take-up3,731 loans funded

How Shelby County compares

Approval rate compared
Shelby County70.5%Tennessee78.2%All 616 counties76.5%
Typical loan compared
Shelby County$205KTennessee$295KAll 616 counties$295K

What the data shows

Regions Bank made the most mortgage refinances in Shelby County, TN, 300 of them.

Community Mortgage Corporation approved the highest share of applications among lenders with at least 20 decisions here, 100% of 44.

Lenders approved 70.5% of mortgage refinance applications in Shelby County, TN, 7.7 percentage points below the Tennessee rate of 78.2%.

The typical mortgage refinance here is $205K, 31% smaller than the Tennessee typical of $295K.

Approval rate of all 48 lenders with 20+ decisions here
0%25%50%75%100%American Financing Corporation: 7% approved of 27Amerisave Mortgage Corporation: 22% approved of 23Discover Bank: 30% approved of 135Carrington Mortgage Services, LLC: 31% approved of 26Mortgage Research Center, LLC: 45% approved of 106Lakeview Loan Servicing, LLC: 47% approved of 83PNC Bank, National Association: 48% approved of 23Navy Federal Credit Union: 49% approved of 39Bank of America, National Association: 52% approved of 128Newrez LLC: 52% approved of 92Truist Bank: 53% approved of 217Regions Bank: 54% approved of 639Simmons Bank: 60% approved of 113Third Federal Savings And Loan Association Of Cleveland: 61% approved of 23Citizens Bank, National Association: 65% approved of 26Royal United Mortgage LLC: 66% approved of 96First Horizon Bank: 66% approved of 403Wells Fargo Bank, National Association: 71% approved of 63New American Funding, LLC: 71% approved of 21Milend, Inc.: 72% approved of 43LoanUnited.com, LLC: 73% approved of 22Trustmark Bank: 73% approved of 258Bank of Bartlett: 75% approved of 280Nationstar Mortgage LLC: 75% approved of 28Cadence Bank: 75% approved of 259Renasant Bank: 76% approved of 91Onity Mortgage Corporation: 76% approved of 25Guaranteed Rate, Inc.: 76% approved of 21Rocket Mortgage, LLC: 79% approved of 314First South Financial Federal Credit Union: 79% approved of 29Amerihome Mortgage Company, LLC: 81% approved of 37Mutual of Omaha Mortgage, Inc.: 83% approved of 42Loandepot.Com, LLC: 84% approved of 37United Wholesale Mortgage, LLC: 85% approved of 371Commercial Bank & Trust Co.: 86% approved of 51Village Capital & Investment LLC: 87% approved of 91Planet Home Lending, LLC: 87% approved of 38JPMorgan Chase Bank, National Association: 87% approved of 23First Citizens National Bank: 87% approved of 23Patriot Bank: 88% approved of 26Pinnacle Bank: 89% approved of 100Pennymac Loan Services, LLC: 89% approved of 139Freedom Mortgage Corporation: 92% approved of 262Community Bank of Mississippi: 93% approved of 27Mortgage Investors Group, Inc.: 96% approved of 23Leaders Credit Union: 96% approved of 50Crosscountry Mortgage, LLC: 96% approved of 27Community Mortgage Corporation: 100% approved of 44

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

Refinance lenders in Shelby County

LenderApprovalApprovedTaken upTypical loanLoans made
1Regions Bank54%348 / 63986%$85K300
2First Horizon Bank66%266 / 40392%$175K244
3United Wholesale Mortgage, LLCBroker only85%314 / 37193%$325K293
4Rocket Mortgage, LLC79%247 / 31492%$235K227
5Bank of Bartlett75%210 / 28087%$145K183

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 250 more lenders.

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