Acopia in Tennessee vs the state
3.1%Denial rate-14.07 pts vs state
3.6%Decision denial rate-18.13 pts vs state
76.1%Origination rate+17.99 pts vs state
6.38%Median rate-0.25 pts vs state
0.12Rate spread (pts)-0.11 pts vs state
$90kMedian applicant income
124Loans originated
5Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 459 | 344 | 4.8% | 6.50% | #99 |
| 2024 | 282 | 200 | 8.9% | 6.75% | #156 |
| 2025 | 163 | 124 | 3.1% | 6.38% | #242 |
What Acopia lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most Acopia applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Sumner County | 84 | 62 | 5 | 6.0% |
| Robertson County | 16 | 11 | 0 | 0.0% |
| Davidson County | 15 | 12 | 0 | 0.0% |
| Macon County | 11 | 7 | 0 | 0.0% |
| Wilson County | 8 | 7 | 0 | 0.0% |
| Montgomery County | 5 | 4 | 0 | 0.0% |
| Trousdale County | 4 | 3 | 0 | 0.0% |
| Smith County | 3 | 3 | 0 | 0.0% |
| Shelby County | 3 | 2 | 0 | 0.0% |
| Rutherford County | 3 | 3 | 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: 163 applications in 2025, of which 124 were originated and 5 denied.
3.1% of all applications, or 3.6% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans Acopia originated in Tennessee in 2025 was 6.38%, against a statewide median of 6.62%.
About this data. Figures are Acopia'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