Directions Equity in Tennessee vs the state
2.3%Denial rate-14.81 pts vs state
2.8%Decision denial rate-18.90 pts vs state
74.4%Origination rate+16.34 pts vs state
6.13%Median rate-0.50 pts vs state
-0.02Rate spread (pts)-0.25 pts vs state
$1kMedian applicant income
32Loans originated
1Denied
What Directions Equity lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most Directions Equity applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Shelby County | 39 | 29 | 1 | 2.6% |
| Tipton County | 2 | 1 | 0 | 0.0% |
| Wilson County | 1 | 1 | 0 | 0.0% |
| Madison 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: 43 applications in 2025, of which 32 were originated and 1 denied.
2.3% of all applications, or 2.8% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans Directions Equity originated in Tennessee in 2025 was 6.13%, against a statewide median of 6.62%.
About this data. Figures are Directions Equity'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