Arc Home in Tennessee vs the state
10.4%Denial rate-6.72 pts vs state
15.2%Decision denial rate-6.53 pts vs state
58.3%Origination rate+0.25 pts vs state
7.00%Median rate+0.38 pts vs state
0.47Rate spread (pts)+0.24 pts vs state
$210kMedian applicant income
28Loans originated
5Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 59 | 26 | 20.3% | 7.93% | #371 |
| 2024 | 42 | 20 | 9.5% | 7.81% | #416 |
| 2025 | 48 | 28 | 10.4% | 7.00% | #416 |
What Arc Home lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most Arc Home applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Davidson County | 19 | 9 | 2 | 10.5% |
| Williamson County | 6 | 5 | 0 | 0.0% |
| Shelby County | 3 | 2 | 1 | 33.3% |
| Knox County | 3 | 2 | 0 | 0.0% |
| Sevier County | 3 | 2 | 0 | 0.0% |
| Maury County | 2 | 1 | 0 | 0.0% |
| Bradley County | 2 | 2 | 0 | 0.0% |
| Wilson County | 2 | 2 | 0 | 0.0% |
| Hamilton County | 2 | 1 | 1 | 50.0% |
| Macon County | 1 | 0 | 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: 48 applications in 2025, of which 28 were originated and 5 denied.
10.4% of all applications, or 15.2% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans Arc Home originated in Tennessee in 2025 was 7.00%, against a statewide median of 6.62%.
About this data. Figures are Arc Home'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