CONSUMER Credit Union in Tennessee vs the state
10.6%Denial rate-6.57 pts vs state
11.7%Decision denial rate-10.03 pts vs state
69.5%Origination rate+11.45 pts vs state
5.63%Median rate-1.00 pts vs state
-0.80Rate spread (pts)-1.03 pts vs state
$97kMedian applicant income
283Loans originated
43Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 259 | 163 | 17.8% | 6.59% | #153 |
| 2024 | 232 | 165 | 11.6% | 7.13% | #179 |
| 2025 | 407 | 283 | 10.6% | 5.63% | #128 |
What CONSUMER Credit Union lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most CONSUMER Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Greene County | 119 | 77 | 18 | 15.1% |
| Hamblen County | 72 | 47 | 5 | 6.9% |
| Washington County | 49 | 38 | 5 | 10.2% |
| Jefferson County | 38 | 25 | 5 | 13.2% |
| Knox County | 33 | 26 | 3 | 9.1% |
| Sullivan County | 20 | 15 | 2 | 10.0% |
| Sevier County | 17 | 15 | 1 | 5.9% |
| Hawkins County | 13 | 11 | 1 | 7.7% |
| Carter County | 10 | 6 | 1 | 10.0% |
| Grainger County | 10 | 6 | 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: 407 applications in 2025, of which 283 were originated and 43 denied.
10.6% of all applications, or 11.7% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans CONSUMER Credit Union originated in Tennessee in 2025 was 5.63%, against a statewide median of 6.62%.
About this data. Figures are CONSUMER Credit Union'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