CSL Financial in Tennessee vs the state
53.2%Denial rate+36.02 pts vs state
83.1%Decision denial rate+61.46 pts vs state
10.8%Origination rate-47.30 pts vs state
8.24%Median rate+1.62 pts vs state
2.36Rate spread (pts)+2.13 pts vs state
$68kMedian applicant income
29Loans originated
143Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 145 | 24 | 51.7% | 9.04% | #240 |
| 2024 | 311 | 45 | 47.9% | 9.04% | #143 |
| 2025 | 269 | 29 | 53.2% | 8.24% | #177 |
What CSL Financial lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most CSL Financial applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fayette County | 2 | 2 | 0 | 0.0% |
| Bradley County | 2 | 2 | 0 | 0.0% |
| Wayne County | 2 | 2 | 0 | 0.0% |
| Hamilton County | 2 | 2 | 0 | 0.0% |
| Lawrence County | 2 | 2 | 0 | 0.0% |
| Shelby County | 2 | 2 | 0 | 0.0% |
| Tipton County | 1 | 1 | 0 | 0.0% |
| Grundy County | 1 | 1 | 0 | 0.0% |
| Lincoln County | 1 | 1 | 0 | 0.0% |
| Polk County | 1 | 1 | 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: 269 applications in 2025, of which 29 were originated and 143 denied.
53.2% of all applications, or 83.1% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans CSL Financial originated in Tennessee in 2025 was 8.24%, against a statewide median of 6.62%.
About this data. Figures are CSL Financial'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