Appalachian Community Federal Credit Union in Tennessee vs the state
8.5%Denial rate-8.69 pts vs state
9.8%Decision denial rate-11.84 pts vs state
77.5%Origination rate+19.38 pts vs state
—Median rate
—Rate spread (pts)
$62kMedian applicant income
110Loans originated
12Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 156 | 96 | 18.6% | — | #228 |
| 2024 | 206 | 157 | 9.2% | — | #199 |
| 2025 | 142 | 110 | 8.5% | — | #268 |
What Appalachian Community Federal Credit Union lends in Tennessee
By loan purpose
By loan type
Where in Tennessee
Counties with the most Appalachian Community Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Sullivan County | 52 | 44 | 3 | 5.8% |
| Hawkins County | 40 | 24 | 4 | 10.0% |
| Washington County | 27 | 24 | 0 | 0.0% |
| Carter County | 11 | 9 | 2 | 18.2% |
| Greene County | 7 | 6 | 1 | 14.3% |
| Jefferson County | 2 | 0 | 2 | 100.0% |
| Hamblen County | 1 | 1 | 0 | 0.0% |
| Unicoi County | 1 | 1 | 0 | 0.0% |
| Knox County | 1 | 1 | 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: 142 applications in 2025, of which 110 were originated and 12 denied.
8.5% of all applications, or 9.8% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Appalachian Community Federal Credit Union'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