American Financial Resources in Tennessee vs the state
6.7%Denial rate-10.41 pts vs state
9.1%Decision denial rate-12.62 pts vs state
67.2%Origination rate+9.14 pts vs state
6.49%Median rate-0.13 pts vs state
0.39Rate spread (pts)+0.16 pts vs state
$89kMedian applicant income
529Loans originated
53Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 320 | 185 | 12.5% | 6.63% | #130 |
| 2024 | 460 | 311 | 6.1% | 6.63% | #108 |
| 2025 | 787 | 529 | 6.7% | 6.49% | #83 |
What American Financial Resources lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most American Financial Resources applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Knox County | 75 | 49 | 5 | 6.7% |
| Shelby County | 39 | 23 | 4 | 10.3% |
| Davidson County | 38 | 23 | 7 | 18.4% |
| Roane County | 29 | 25 | 0 | 0.0% |
| Sevier County | 28 | 18 | 2 | 7.1% |
| Blount County | 27 | 19 | 3 | 11.1% |
| Sullivan County | 21 | 13 | 2 | 9.5% |
| McMinn County | 20 | 15 | 0 | 0.0% |
| Loudon County | 20 | 11 | 1 | 5.0% |
| Monroe County | 19 | 13 | 1 | 5.3% |
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: 787 applications in 2025, of which 529 were originated and 53 denied.
6.7% of all applications, or 9.1% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans American Financial Resources originated in Tennessee in 2025 was 6.49%, against a statewide median of 6.62%.
About this data. Figures are American Financial Resources'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