American Heritage Lending in Tennessee vs the state
5.1%Denial rate-12.01 pts vs state
7.2%Decision denial rate-14.49 pts vs state
55.1%Origination rate-2.95 pts vs state
7.50%Median rate+0.88 pts vs state
1.09Rate spread (pts)+0.86 pts vs state
$122kMedian applicant income
129Loans originated
12Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 162 | 71 | 13.0% | 8.75% | #217 |
| 2024 | 218 | 121 | 3.7% | 8.13% | #190 |
| 2025 | 234 | 129 | 5.1% | 7.50% | #197 |
What American Heritage Lending lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most American Heritage Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Shelby County | 80 | 54 | 2 | 2.5% |
| Davidson County | 30 | 13 | 0 | 0.0% |
| Hamilton County | 17 | 7 | 0 | 0.0% |
| Montgomery County | 15 | 9 | 0 | 0.0% |
| Sevier County | 14 | 8 | 1 | 7.1% |
| Knox County | 10 | 5 | 1 | 10.0% |
| Williamson County | 8 | 2 | 2 | 25.0% |
| Sumner County | 6 | 2 | 0 | 0.0% |
| Rutherford County | 5 | 1 | 0 | 0.0% |
| Washington County | 5 | 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: 234 applications in 2025, of which 129 were originated and 12 denied.
5.1% of all applications, or 7.2% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans American Heritage Lending originated in Tennessee in 2025 was 7.50%, against a statewide median of 6.62%.
About this data. Figures are American Heritage 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