Mortgage lending in Shelby County, Tennessee
Lenders in Shelby County, Tennessee reported 26,949 mortgage applications for 2025, according to the CFPB.
26,949 mortgage applications and 14,546 loans originated in 2025; the denial rate was 26.5% of 21,146 applications decided. The median loan was about $195,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Memphis, TN-MS-AR HUD Metro FMR Area.
- 26,949
- Applications
- 14,546
- Loans originated
- 26.5%
- Denial rate
- 5,613 denied of 21,146 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 26,949 | 14,546 |
| 2024 | 25,736 | 14,217 |
| 2023 | 24,909 | 13,634 |
| 2022 | 35,001 | 19,748 |
| 2021 | 48,327 | 29,921 |
| 2020 | 45,404 | 28,608 |
| 2019 | 32,334 | 19,276 |
| 2018 | 29,333 | 17,174 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Rocket Mortgage | 838 | 1,283 |
| Pinnacle Bank | 767 | 1,049 |
| United Wholesale Mortgage | 640 | 955 |
| Community Mortgage Corporation | 563 | 694 |
| Regions Bank | 546 | 1,591 |
| Cadence Bank | 537 | 752 |
| First Horizon Bank | 463 | 865 |
| Guaranteed Rate, Inc. | 331 | 546 |
| Crosscountry Mortgage, LLC | 296 | 460 |
| Patriot Bank | 287 | 368 |
| Navy Federal Credit Union | 286 | 759 |
| Trustmark Bank | 255 | 410 |
| Orion Federal Credit Union | 250 | 329 |
| Renasant Bank | 239 | 333 |
| Kiavi Funding, Inc. | 217 | 398 |
| Freedom Mortgage Corporation | 215 | 495 |
| Mortgage Research Center | 210 | 460 |
| Bank of Bartlett | 206 | 471 |
| Leaders Credit Union | 205 | 297 |
| Mortgage Investors Group | 187 | 239 |
| Bartlett Mortgage Inc. | 172 | 225 |
| First South Financial Federal Credit Union | 171 | 313 |
| Pennymac Loan Services LLC | 170 | 469 |
| Financial Federal Bank | 162 | 182 |
| Bank of America NA | 162 | 567 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 104 | 42.1% of 76 decided |
| Asian | 1,193 | 20.0% of 898 decided |
| Black or African American | 8,625 | 38.5% of 6,684 decided |
| Native Hawaiian or Other Pacific Islander | 57 | no rate: base under 50 |
| White | 10,307 | 17.3% of 8,425 decided |
| 2 or more minority races | 86 | 27.3% of 66 decided |
| Joint | 325 | 11.8% of 263 decided |
| Free Form Text Only | 11 | no rate: base under 50 |
| Race Not Available | 6,241 | 27.7% of 4,682 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 1,401 | 23.7% of 1,101 decided |
| Not Hispanic or Latino | 19,238 | 26.4% of 15,280 decided |
| Joint | 314 | 23.9% of 263 decided |
| Ethnicity Not Available | 5,975 | 27.9% of 4,485 decided |
| Free Form Text Only | 21 | no rate: base under 50 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 9,465 | 27.5% of 7,276 decided |
| Female | 7,593 | 31.5% of 6,030 decided |
| Joint | 5,830 | 17.8% of 4,802 decided |
| Sex Not Available | 4,061 | 28.2% of 3,038 decided |
A category under 10 applications prints “under 10”, and beside a lone one the next-smallest is withheld too, so neither can be worked out from the whole. No rate is printed on fewer than 50 decisions. A denial rate does not control for credit history, income, debt or the property, so a difference between groups is not a measure of discrimination.
Rankings this appears in
- No. 1195 Counties by median mortgage
Sources
- HMDA public loan/application register (LAR) — each year's fullest national release — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- Census Bureau population estimates — nation and states, with components of change — U.S. Census Bureau · U.S. Government work · retrieved September 25, 2026
- HMDA transmittal sheet — every reporting lender, by year, with its name — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder
- Census Bureau county population estimates — U.S. Census Bureau · U.S. Government work · retrieved September 23, 2026
Compiled automatically from HMDA public loan/application register (LAR) — each year's fullest national release, Census Bureau population estimates — nation and states, with components of change, HMDA transmittal sheet — every reporting lender, by year, with its name, HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder and Census Bureau county population estimates by a checked SQL query · Editor: Kian O'Connor · How this site is built
Data retrieved