Emporium TPO in Tennessee vs the state
11.3%Denial rate-5.87 pts vs state
12.5%Decision denial rate-9.18 pts vs state
52.8%Origination rate-5.26 pts vs state
6.99%Median rate+0.37 pts vs state
1.69Rate spread (pts)+1.46 pts vs state
$460kMedian applicant income
75Loans originated
16Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 132 | 75 | 20.5% | 7.50% | #264 |
| 2025 | 142 | 75 | 11.3% | 6.99% | #269 |
What Emporium TPO lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most Emporium TPO applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Shelby County | 46 | 24 | 6 | 13.0% |
| Sevier County | 29 | 13 | 4 | 13.8% |
| Davidson County | 16 | 10 | 3 | 18.8% |
| Knox County | 10 | 7 | 0 | 0.0% |
| Hamilton County | 7 | 5 | 0 | 0.0% |
| Bradley County | 5 | 0 | 1 | 20.0% |
| Sullivan County | 5 | 1 | 0 | 0.0% |
| Fentress County | 4 | 1 | 0 | 0.0% |
| Montgomery County | 3 | 3 | 0 | 0.0% |
| Dickson County | 2 | 1 | 1 | 50.0% |
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: 142 applications in 2025, of which 75 were originated and 16 denied.
11.3% of all applications, or 12.5% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans Emporium TPO originated in Tennessee in 2025 was 6.99%, against a statewide median of 6.62%.
About this data. Figures are Emporium TPO'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