1st Signature Lending in Tennessee vs the state
3.4%Denial rate-13.75 pts vs state
4.4%Decision denial rate-17.33 pts vs state
74.6%Origination rate+16.50 pts vs state
6.00%Median rate-0.62 pts vs state
0.27Rate spread (pts)+0.04 pts vs state
$79kMedian applicant income
132Loans originated
6Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 163 | 104 | 6.8% | 6.88% | #215 |
| 2024 | 186 | 140 | 4.8% | 6.50% | #213 |
| 2025 | 177 | 132 | 3.4% | 6.00% | #232 |
What 1st Signature Lending lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most 1st Signature Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Gibson County | 1 | 1 | 0 | 0.0% |
| Washington County | 1 | 0 | 0 | 0.0% |
| Cumberland County | 1 | 1 | 0 | 0.0% |
Other large lenders in Tennessee
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 16,503 | 17.3% | 6.50% |
| United Shore Financial Services | B | 12,458 | 10.9% | 6.12% |
| Regions Bank | C | 11,247 | 36.5% | 4.99% |
| Vanderbilt Mortgage and Finance | F | 9,649 | 35.8% | 8.75% |
| Mortgage Research Center | C | 6,568 | 17.3% | 6.25% |
| FirstBank | C | 5,677 | 14.5% | 6.88% |
| CMG Mortgage | A | 5,643 | 2.9% | 6.50% |
| Freedom Mortgage | B | 5,493 | 8.0% | 6.25% |
| Pennymac Loan Services | C | 5,331 | 11.2% | 6.00% |
| Mortgage Investors Group | B | 4,454 | 3.5% | 6.50% |
Frequently asked questions
Tennessee: 177 applications in 2025, of which 132 were originated and 6 denied.
3.4% of all applications, or 4.4% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans 1st Signature Lending originated in Tennessee in 2025 was 6.00%, against a statewide median of 6.62%.
About this data. Figures are 1st Signature Lending's own HMDA filing for properties located in Tennessee, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology