Ascend Federal Credit Union in Tennessee vs the state
18.3%Denial rate+1.13 pts vs state
22.2%Decision denial rate+0.48 pts vs state
62.3%Origination rate+4.24 pts vs state
7.50%Median rate+0.88 pts vs state
0.24Rate spread (pts)+0.01 pts vs state
$103kMedian applicant income
1,801Loans originated
528Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,967 | 1,735 | 21.5% | 8.00% | #20 |
| 2024 | 2,774 | 1,656 | 20.6% | 8.13% | #25 |
| 2025 | 2,890 | 1,801 | 18.3% | 7.50% | #28 |
What Ascend Federal Credit Union lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most Ascend Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Rutherford County | 740 | 478 | 131 | 17.7% |
| Davidson County | 439 | 250 | 96 | 21.9% |
| Coffee County | 233 | 150 | 32 | 13.7% |
| Williamson County | 204 | 121 | 37 | 18.1% |
| Sumner County | 161 | 103 | 26 | 16.1% |
| Franklin County | 152 | 98 | 17 | 11.2% |
| Bedford County | 142 | 84 | 26 | 18.3% |
| Wilson County | 134 | 91 | 27 | 20.1% |
| Maury County | 128 | 82 | 22 | 17.2% |
| Marshall County | 64 | 43 | 13 | 20.3% |
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: 2,890 applications in 2025, of which 1,801 were originated and 528 denied.
18.3% of all applications, or 22.2% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans Ascend Federal Credit Union originated in Tennessee in 2025 was 7.50%, against a statewide median of 6.62%.
About this data. Figures are Ascend 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