Digital in Tennessee vs the state
9.1%Denial rate-8.05 pts vs state
14.0%Decision denial rate-7.73 pts vs state
56.1%Origination rate-2.02 pts vs state
7.75%Median rate+1.13 pts vs state
0.66Rate spread (pts)+0.43 pts vs state
$150kMedian applicant income
37Loans originated
6Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 167 | 55 | 13.2% | 6.12% | #211 |
| 2024 | 110 | 29 | 17.3% | 7.75% | #289 |
| 2025 | 66 | 37 | 9.1% | 7.75% | #374 |
What Digital lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most Digital applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Williamson County | 23 | 16 | 0 | 0.0% |
| Shelby County | 11 | 4 | 1 | 9.1% |
| Wilson County | 8 | 6 | 1 | 12.5% |
| Davidson County | 6 | 4 | 1 | 16.7% |
| Knox County | 4 | 3 | 0 | 0.0% |
| Cocke County | 2 | 0 | 1 | 50.0% |
| Rutherford County | 2 | 0 | 1 | 50.0% |
| Washington County | 1 | 0 | 0 | 0.0% |
| Sumner County | 1 | 0 | 0 | 0.0% |
| Blount County | 1 | 0 | 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: 66 applications in 2025, of which 37 were originated and 6 denied.
9.1% of all applications, or 14.0% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans Digital originated in Tennessee in 2025 was 7.75%, against a statewide median of 6.62%.
About this data. Figures are Digital'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