Empeople Credit Union in Tennessee vs the state
17.0%Denial rate-0.12 pts vs state
20.0%Decision denial rate-1.68 pts vs state
68.1%Origination rate+10.01 pts vs state
6.43%Median rate-0.19 pts vs state
-0.34Rate spread (pts)-0.57 pts vs state
$112kMedian applicant income
32Loans originated
8Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 44 | 25 | 25.0% | 7.25% | #406 |
| 2024 | 45 | 22 | 26.7% | 6.56% | #405 |
| 2025 | 47 | 32 | 17.0% | 6.43% | #420 |
What Empeople Credit Union lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most Empeople Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Rutherford County | 4 | 4 | 0 | 0.0% |
| Davidson County | 4 | 2 | 1 | 25.0% |
| Hamilton County | 4 | 3 | 0 | 0.0% |
| Greene County | 3 | 3 | 0 | 0.0% |
| Crockett County | 3 | 2 | 1 | 33.3% |
| Gibson County | 3 | 2 | 1 | 33.3% |
| Franklin County | 3 | 1 | 2 | 66.7% |
| Lauderdale County | 2 | 0 | 2 | 100.0% |
| Weakley County | 2 | 2 | 0 | 0.0% |
| McMinn County | 2 | 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: 47 applications in 2025, of which 32 were originated and 8 denied.
17.0% of all applications, or 20.0% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans Empeople Credit Union originated in Tennessee in 2025 was 6.43%, against a statewide median of 6.62%.
About this data. Figures are Empeople 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