Clearpath Lending in Tennessee vs the state
9.9%Denial rate-7.24 pts vs state
14.1%Decision denial rate-7.60 pts vs state
60.4%Origination rate+2.32 pts vs state
5.75%Median rate-0.87 pts vs state
-0.81Rate spread (pts)-1.04 pts vs state
$86kMedian applicant income
61Loans originated
10Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 61 | 40 | 14.8% | 5.69% | #364 |
| 2024 | 93 | 58 | 18.3% | 5.75% | #322 |
| 2025 | 101 | 61 | 9.9% | 5.75% | #325 |
What Clearpath Lending lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most Clearpath Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Davidson County | 11 | 8 | 1 | 9.1% |
| Shelby County | 10 | 8 | 2 | 20.0% |
| Montgomery County | 7 | 2 | 2 | 28.6% |
| Knox County | 5 | 3 | 0 | 0.0% |
| Maury County | 4 | 3 | 0 | 0.0% |
| Monroe County | 4 | 2 | 1 | 25.0% |
| Wilson County | 3 | 1 | 0 | 0.0% |
| Hamilton County | 3 | 2 | 0 | 0.0% |
| Jefferson County | 3 | 2 | 1 | 33.3% |
| Sullivan County | 3 | 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: 101 applications in 2025, of which 61 were originated and 10 denied.
9.9% of all applications, or 14.1% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans Clearpath Lending originated in Tennessee in 2025 was 5.75%, against a statewide median of 6.62%.
About this data. Figures are Clearpath Lending'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