Citibank in Tennessee vs the state
17.1%Denial rate0.00 pts vs state
32.3%Decision denial rate+10.58 pts vs state
35.4%Origination rate-22.65 pts vs state
6.13%Median rate-0.50 pts vs state
-0.12Rate spread (pts)-0.35 pts vs state
$172kMedian applicant income
62Loans originated
30Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 173 | 85 | 4.6% | 5.88% | #208 |
| 2024 | 194 | 92 | 14.4% | 6.38% | #207 |
| 2025 | 175 | 62 | 17.1% | 6.13% | #233 |
What Citibank lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most Citibank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Williamson County | 42 | 20 | 3 | 7.1% |
| Davidson County | 31 | 19 | 2 | 6.5% |
| Hamilton County | 16 | 3 | 3 | 18.8% |
| Shelby County | 14 | 3 | 4 | 28.6% |
| Knox County | 11 | 4 | 3 | 27.3% |
| Rutherford County | 6 | 2 | 1 | 16.7% |
| Sumner County | 4 | 1 | 0 | 0.0% |
| Montgomery County | 4 | 0 | 1 | 25.0% |
| DeKalb County | 3 | 1 | 0 | 0.0% |
| Blount County | 3 | 0 | 1 | 33.3% |
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: 175 applications in 2025, of which 62 were originated and 30 denied.
17.1% of all applications, or 32.3% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans Citibank originated in Tennessee in 2025 was 6.13%, against a statewide median of 6.62%.
About this data. Figures are Citibank'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