21st Mortgage in Tennessee vs the state
48.0%Denial rate+30.82 pts vs state
71.9%Decision denial rate+50.18 pts vs state
17.3%Origination rate-40.77 pts vs state
9.59%Median rate+2.96 pts vs state
3.80Rate spread (pts)+3.57 pts vs state
$64kMedian applicant income
648Loans originated
1,795Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 3,747 | 651 | 49.5% | 9.10% | #17 |
| 2024 | 3,863 | 674 | 47.4% | 9.49% | #16 |
| 2025 | 3,743 | 648 | 48.0% | 9.59% | #20 |
What 21st Mortgage lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most 21st Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Knox County | 333 | 39 | 208 | 62.5% |
| Sevier County | 187 | 25 | 115 | 61.5% |
| Bradley County | 109 | 6 | 57 | 52.3% |
| Blount County | 101 | 15 | 60 | 59.4% |
| Rutherford County | 100 | 17 | 59 | 59.0% |
| Sullivan County | 92 | 28 | 34 | 37.0% |
| Monroe County | 80 | 11 | 39 | 48.8% |
| Greene County | 77 | 17 | 31 | 40.3% |
| Macon County | 76 | 23 | 33 | 43.4% |
| Cumberland County | 74 | 19 | 23 | 31.1% |
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: 3,743 applications in 2025, of which 648 were originated and 1,795 denied.
48.0% of all applications, or 71.9% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans 21st Mortgage originated in Tennessee in 2025 was 9.59%, against a statewide median of 6.62%.
About this data. Figures are 21st Mortgage'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