Consumer Real Estate Finance in Tennessee vs the state
43.1%Denial rate+25.96 pts vs state
48.1%Decision denial rate+26.40 pts vs state
46.6%Origination rate-11.53 pts vs state
6.99%Median rate+0.37 pts vs state
0.91Rate spread (pts)+0.68 pts vs state
$76kMedian applicant income
27Loans originated
25Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 69 | 33 | 11.6% | 6.75% | #342 |
| 2024 | 72 | 34 | 22.2% | 7.13% | #343 |
| 2025 | 58 | 27 | 43.1% | 6.99% | #390 |
What Consumer Real Estate Finance lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most Consumer Real Estate Finance applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fayette County | 4 | 0 | 0 | 0.0% |
| McMinn County | 4 | 3 | 1 | 25.0% |
| Campbell County | 3 | 0 | 3 | 100.0% |
| Wayne County | 3 | 0 | 3 | 100.0% |
| Hawkins County | 3 | 1 | 2 | 66.7% |
| Sullivan County | 2 | 2 | 0 | 0.0% |
| Jackson County | 2 | 0 | 2 | 100.0% |
| McNairy County | 2 | 0 | 1 | 50.0% |
| Hamilton County | 2 | 1 | 1 | 50.0% |
| Shelby County | 2 | 1 | 1 | 50.0% |
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: 58 applications in 2025, of which 27 were originated and 25 denied.
43.1% of all applications, or 48.1% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans Consumer Real Estate Finance originated in Tennessee in 2025 was 6.99%, against a statewide median of 6.62%.
About this data. Figures are Consumer Real Estate Finance'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