Fedex Employees Credit Association in Tennessee vs the state
9.5%Denial rate-7.69 pts vs state
11.2%Decision denial rate-10.47 pts vs state
70.1%Origination rate+12.00 pts vs state
7.50%Median rate+0.88 pts vs state
0.00Rate spread (pts)-0.23 pts vs state
$107kMedian applicant income
89Loans originated
12Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 93 | 49 | 11.8% | 6.50% | #307 |
| 2024 | 102 | 56 | 11.8% | 7.13% | #307 |
| 2025 | 127 | 89 | 9.5% | 7.50% | #283 |
What Fedex Employees Credit Association lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most Fedex Employees Credit Association applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Shelby County | 104 | 73 | 10 | 9.6% |
| Fayette County | 12 | 7 | 2 | 16.7% |
| Tipton County | 2 | 2 | 0 | 0.0% |
| Wilson County | 2 | 1 | 0 | 0.0% |
| Henry County | 2 | 2 | 0 | 0.0% |
| Hardeman County | 2 | 1 | 0 | 0.0% |
| Haywood County | 1 | 1 | 0 | 0.0% |
| Washington County | 1 | 1 | 0 | 0.0% |
| Hamilton 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: 127 applications in 2025, of which 89 were originated and 12 denied.
9.5% of all applications, or 11.2% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans Fedex Employees Credit Association originated in Tennessee in 2025 was 7.50%, against a statewide median of 6.62%.
About this data. Figures are Fedex Employees Credit Association'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