American Pacific Mortgage in Tennessee vs the state
6.1%Denial rate-11.02 pts vs state
7.5%Decision denial rate-14.16 pts vs state
74.7%Origination rate+16.66 pts vs state
6.63%Median rate0.00 pts vs state
0.40Rate spread (pts)+0.17 pts vs state
$99kMedian applicant income
855Loans originated
70Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 821 | 559 | 5.0% | 6.63% | #73 |
| 2024 | 1,080 | 765 | 7.6% | 6.75% | #59 |
| 2025 | 1,144 | 855 | 6.1% | 6.63% | #56 |
What American Pacific Mortgage lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most American Pacific Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Knox County | 154 | 114 | 8 | 5.2% |
| Wilson County | 104 | 78 | 8 | 7.7% |
| Davidson County | 102 | 78 | 5 | 4.9% |
| Shelby County | 63 | 44 | 10 | 15.9% |
| Sumner County | 51 | 40 | 1 | 2.0% |
| Sullivan County | 37 | 26 | 3 | 8.1% |
| Williamson County | 36 | 23 | 3 | 8.3% |
| Blount County | 36 | 31 | 0 | 0.0% |
| Rutherford County | 31 | 22 | 2 | 6.5% |
| McMinn County | 27 | 18 | 6 | 22.2% |
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: 1,144 applications in 2025, of which 855 were originated and 70 denied.
6.1% of all applications, or 7.5% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans American Pacific Mortgage originated in Tennessee in 2025 was 6.63%, against a statewide median of 6.62%.
About this data. Figures are American Pacific 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