Citizens Equity First in Tennessee vs the state
6.0%Denial rate-11.14 pts vs state
7.3%Decision denial rate-14.36 pts vs state
76.0%Origination rate+17.92 pts vs state
6.75%Median rate+0.13 pts vs state
-0.22Rate spread (pts)-0.45 pts vs state
$157kMedian applicant income
38Loans originated
3Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 41 | 29 | 2.4% | 6.50% | #414 |
| 2024 | 42 | 31 | 9.5% | 8.00% | #417 |
| 2025 | 50 | 38 | 6.0% | 6.75% | #412 |
What Citizens Equity First lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most Citizens Equity First applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Williamson County | 12 | 10 | 0 | 0.0% |
| Davidson County | 8 | 8 | 0 | 0.0% |
| Sumner County | 2 | 2 | 0 | 0.0% |
| Roane County | 2 | 1 | 0 | 0.0% |
| McNairy County | 2 | 1 | 1 | 50.0% |
| Shelby County | 2 | 1 | 0 | 0.0% |
| Madison County | 2 | 1 | 0 | 0.0% |
| Dickson County | 2 | 2 | 0 | 0.0% |
| Putnam County | 2 | 1 | 0 | 0.0% |
| Rutherford County | 2 | 1 | 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: 50 applications in 2025, of which 38 were originated and 3 denied.
6.0% of all applications, or 7.3% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans Citizens Equity First originated in Tennessee in 2025 was 6.75%, against a statewide median of 6.62%.
About this data. Figures are Citizens Equity First'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