Credit Human Federal Credit Union in Tennessee vs the state
81.3%Denial rate+64.11 pts vs state
81.5%Decision denial rate+59.85 pts vs state
4.5%Origination rate-53.57 pts vs state
8.30%Median rate+1.68 pts vs state
2.14Rate spread (pts)+1.91 pts vs state
$65kMedian applicant income
26Loans originated
468Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 668 | 46 | 84.7% | 7.65% | #86 |
| 2024 | 627 | 31 | 84.4% | 8.60% | #89 |
| 2025 | 576 | 26 | 81.3% | 8.30% | #100 |
What Credit Human Federal Credit Union lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most Credit Human Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hawkins County | 46 | 0 | 43 | 93.5% |
| Claiborne County | 34 | 4 | 27 | 79.4% |
| Greene County | 31 | 1 | 23 | 74.2% |
| Sullivan County | 27 | 0 | 25 | 92.6% |
| Campbell County | 23 | 0 | 23 | 100.0% |
| Jefferson County | 19 | 1 | 13 | 68.4% |
| Morgan County | 19 | 0 | 17 | 89.5% |
| Roane County | 19 | 0 | 17 | 89.5% |
| Cocke County | 18 | 1 | 15 | 83.3% |
| Knox County | 17 | 1 | 16 | 94.1% |
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: 576 applications in 2025, of which 26 were originated and 468 denied.
81.3% of all applications, or 81.5% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans Credit Human Federal Credit Union originated in Tennessee in 2025 was 8.30%, against a statewide median of 6.62%.
About this data. Figures are Credit Human Federal 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