Click n' Close in Tennessee vs the state
5.3%Denial rate-11.84 pts vs state
7.8%Decision denial rate-13.90 pts vs state
60.5%Origination rate+2.43 pts vs state
6.88%Median rate+0.25 pts vs state
2.06Rate spread (pts)+1.83 pts vs state
$82kMedian applicant income
377Loans originated
33Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 385 | 284 | 4.2% | 7.13% | #112 |
| 2024 | 558 | 343 | 2.5% | 7.13% | #96 |
| 2025 | 623 | 377 | 5.3% | 6.88% | #95 |
What Click n' Close lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most Click n' Close applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Knox County | 56 | 39 | 2 | 3.6% |
| Sumner County | 47 | 32 | 1 | 2.1% |
| Shelby County | 44 | 24 | 3 | 6.8% |
| Montgomery County | 41 | 24 | 4 | 9.8% |
| Davidson County | 27 | 11 | 2 | 7.4% |
| Gibson County | 23 | 17 | 1 | 4.3% |
| Dickson County | 20 | 13 | 1 | 5.0% |
| Hamilton County | 20 | 11 | 2 | 10.0% |
| Rutherford County | 16 | 9 | 0 | 0.0% |
| Hardin County | 16 | 14 | 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: 623 applications in 2025, of which 377 were originated and 33 denied.
5.3% of all applications, or 7.8% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans Click n' Close originated in Tennessee in 2025 was 6.88%, against a statewide median of 6.62%.
About this data. Figures are Click n' Close'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