Everett Financial in Tennessee vs the state
5.9%Denial rate-11.22 pts vs state
8.9%Decision denial rate-12.78 pts vs state
59.9%Origination rate+1.78 pts vs state
6.75%Median rate+0.13 pts vs state
0.67Rate spread (pts)+0.44 pts vs state
$87kMedian applicant income
425Loans originated
42Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 848 | 392 | 6.0% | 6.88% | #71 |
| 2024 | 463 | 323 | 7.1% | 6.63% | #107 |
| 2025 | 710 | 425 | 5.9% | 6.75% | #88 |
What Everett Financial lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most Everett Financial applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Shelby County | 153 | 96 | 5 | 3.3% |
| Sullivan County | 60 | 42 | 3 | 5.0% |
| Knox County | 32 | 13 | 2 | 6.3% |
| Hamblen County | 31 | 24 | 3 | 9.7% |
| Hawkins County | 24 | 19 | 1 | 4.2% |
| Davidson County | 24 | 13 | 3 | 12.5% |
| Williamson County | 22 | 9 | 0 | 0.0% |
| Campbell County | 22 | 12 | 2 | 9.1% |
| Jefferson County | 21 | 13 | 4 | 19.0% |
| Sumner County | 21 | 9 | 1 | 4.8% |
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: 710 applications in 2025, of which 425 were originated and 42 denied.
5.9% of all applications, or 8.9% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans Everett Financial originated in Tennessee in 2025 was 6.75%, against a statewide median of 6.62%.
About this data. Figures are Everett Financial'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