Community Mortgage in Tennessee vs the state
2.5%Denial rate-14.61 pts vs state
3.0%Decision denial rate-18.64 pts vs state
80.7%Origination rate+22.62 pts vs state
6.38%Median rate-0.25 pts vs state
0.19Rate spread (pts)-0.04 pts vs state
$105kMedian applicant income
828Loans originated
26Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,188 | 962 | 4.2% | 6.50% | #52 |
| 2024 | 1,121 | 907 | 3.3% | 6.50% | #55 |
| 2025 | 1,026 | 828 | 2.5% | 6.38% | #63 |
What Community Mortgage lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most Community Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Shelby County | 694 | 563 | 16 | 2.3% |
| Fayette County | 61 | 45 | 0 | 0.0% |
| Tipton County | 55 | 45 | 3 | 5.5% |
| Hamilton County | 43 | 38 | 0 | 0.0% |
| Davidson County | 23 | 19 | 3 | 13.0% |
| Montgomery County | 21 | 17 | 0 | 0.0% |
| Rutherford County | 16 | 12 | 0 | 0.0% |
| McMinn County | 9 | 8 | 0 | 0.0% |
| Maury County | 9 | 7 | 0 | 0.0% |
| Wilson County | 8 | 7 | 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: 1,026 applications in 2025, of which 828 were originated and 26 denied.
2.5% of all applications, or 3.0% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans Community Mortgage originated in Tennessee in 2025 was 6.38%, against a statewide median of 6.62%.
About this data. Figures are Community 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