Delta Community Credit Union in Tennessee vs the state
25.0%Denial rate+7.86 pts vs state
33.3%Decision denial rate+11.65 pts vs state
50.0%Origination rate-8.08 pts vs state
6.19%Median rate-0.44 pts vs state
-0.23Rate spread (pts)-0.46 pts vs state
$170kMedian applicant income
20Loans originated
10Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 34 | 22 | 17.7% | 8.00% | #445 |
| 2024 | 44 | 24 | 27.3% | 6.44% | #412 |
| 2025 | 40 | 20 | 25.0% | 6.19% | #445 |
What Delta Community Credit Union lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most Delta Community Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hamilton County | 6 | 4 | 2 | 33.3% |
| Williamson County | 4 | 2 | 0 | 0.0% |
| Rutherford County | 4 | 2 | 2 | 50.0% |
| Shelby County | 4 | 0 | 2 | 50.0% |
| Wilson County | 3 | 2 | 1 | 33.3% |
| Knox County | 3 | 2 | 0 | 0.0% |
| Sumner County | 3 | 1 | 0 | 0.0% |
| Davidson County | 3 | 2 | 0 | 0.0% |
| Dyer County | 1 | 1 | 0 | 0.0% |
| Cumberland 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: 40 applications in 2025, of which 20 were originated and 10 denied.
25.0% of all applications, or 33.3% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans Delta Community Credit Union originated in Tennessee in 2025 was 6.19%, against a statewide median of 6.62%.
About this data. Figures are Delta Community 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