Atlantic Coast Mortgage in Tennessee vs the state
5.6%Denial rate-11.58 pts vs state
6.7%Decision denial rate-15.01 pts vs state
61.1%Origination rate+3.03 pts vs state
6.49%Median rate-0.13 pts vs state
0.58Rate spread (pts)+0.35 pts vs state
$99kMedian applicant income
11Loans originated
1Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 15 | 11 | 0.0% | 6.25% | #547 |
| 2024 | 5 | 5 | 0.0% | 6.88% | #745 |
| 2025 | 18 | 11 | 5.6% | 6.49% | #547 |
What Atlantic Coast Mortgage lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most Atlantic Coast Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Shelby County | 2 | 1 | 1 | 50.0% |
| Maury County | 2 | 0 | 0 | 0.0% |
| Hamilton County | 2 | 1 | 0 | 0.0% |
| Sumner County | 2 | 0 | 0 | 0.0% |
| Knox County | 2 | 2 | 0 | 0.0% |
| Robertson County | 1 | 1 | 0 | 0.0% |
| Davidson County | 1 | 1 | 0 | 0.0% |
| Sullivan County | 1 | 1 | 0 | 0.0% |
| Sevier County | 1 | 1 | 0 | 0.0% |
| Sequatchie 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: 18 applications in 2025, of which 11 were originated and 1 denied.
5.6% of all applications, or 6.7% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans Atlantic Coast Mortgage originated in Tennessee in 2025 was 6.49%, against a statewide median of 6.62%.
About this data. Figures are Atlantic Coast 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