Churchill Mortgage in Tennessee vs the state
1.9%Denial rate-15.28 pts vs state
2.4%Decision denial rate-19.30 pts vs state
68.5%Origination rate+10.37 pts vs state
6.63%Median rate0.00 pts vs state
0.31Rate spread (pts)+0.08 pts vs state
$109kMedian applicant income
627Loans originated
17Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,181 | 843 | 3.2% | 6.63% | #53 |
| 2024 | 1,169 | 726 | 2.5% | 6.75% | #53 |
| 2025 | 916 | 627 | 1.9% | 6.63% | #70 |
What Churchill Mortgage lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most Churchill Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Davidson County | 216 | 145 | 5 | 2.3% |
| Williamson County | 141 | 100 | 0 | 0.0% |
| Rutherford County | 62 | 46 | 1 | 1.6% |
| Maury County | 60 | 40 | 0 | 0.0% |
| Wilson County | 40 | 26 | 1 | 2.5% |
| Hamilton County | 37 | 26 | 0 | 0.0% |
| Sumner County | 31 | 21 | 1 | 3.2% |
| Knox County | 29 | 15 | 1 | 3.4% |
| Montgomery County | 21 | 16 | 2 | 9.5% |
| Hickman County | 21 | 17 | 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: 916 applications in 2025, of which 627 were originated and 17 denied.
1.9% of all applications, or 2.4% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans Churchill Mortgage originated in Tennessee in 2025 was 6.63%, against a statewide median of 6.62%.
About this data. Figures are Churchill 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