A&D Mortgage in Tennessee vs the state
9.9%Denial rate-7.24 pts vs state
14.7%Decision denial rate-6.97 pts vs state
57.4%Origination rate-0.65 pts vs state
6.49%Median rate-0.13 pts vs state
0.23Rate spread (pts)0.00 pts vs state
$105kMedian applicant income
174Loans originated
30Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 85 | 46 | 5.9% | 8.31% | #318 |
| 2024 | 140 | 74 | 10.7% | 7.75% | #255 |
| 2025 | 303 | 174 | 9.9% | 6.49% | #162 |
What A&D Mortgage lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most A&D Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Davidson County | 60 | 38 | 4 | 6.7% |
| Rutherford County | 43 | 30 | 4 | 9.3% |
| Shelby County | 25 | 8 | 4 | 16.0% |
| Knox County | 20 | 9 | 5 | 25.0% |
| Williamson County | 19 | 12 | 2 | 10.5% |
| Cumberland County | 18 | 14 | 0 | 0.0% |
| Sevier County | 12 | 3 | 2 | 16.7% |
| Hamilton County | 10 | 1 | 4 | 40.0% |
| Montgomery County | 10 | 5 | 2 | 20.0% |
| Wilson County | 6 | 5 | 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: 303 applications in 2025, of which 174 were originated and 30 denied.
9.9% of all applications, or 14.7% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans A&D Mortgage originated in Tennessee in 2025 was 6.49%, against a statewide median of 6.62%.
About this data. Figures are A&D 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