First Community Mortgage in Tennessee vs the state
6.0%Denial rate-11.15 pts vs state
6.4%Decision denial rate-15.26 pts vs state
78.0%Origination rate+19.95 pts vs state
6.38%Median rate-0.25 pts vs state
0.17Rate spread (pts)-0.06 pts vs state
$87kMedian applicant income
2,461Loans originated
189Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,971 | 2,371 | 7.5% | 6.50% | #19 |
| 2024 | 2,949 | 2,366 | 7.6% | 6.50% | #23 |
| 2025 | 3,154 | 2,461 | 6.0% | 6.38% | #24 |
What First Community Mortgage lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most First Community Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Rutherford County | 368 | 287 | 21 | 5.7% |
| Knox County | 217 | 191 | 5 | 2.3% |
| Bedford County | 175 | 132 | 11 | 6.3% |
| Davidson County | 134 | 92 | 13 | 9.7% |
| Shelby County | 127 | 84 | 16 | 12.6% |
| Montgomery County | 114 | 97 | 5 | 4.4% |
| Coffee County | 101 | 76 | 4 | 4.0% |
| Franklin County | 99 | 75 | 9 | 9.1% |
| Madison County | 97 | 72 | 7 | 7.2% |
| Maury County | 88 | 79 | 4 | 4.5% |
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: 3,154 applications in 2025, of which 2,461 were originated and 189 denied.
6.0% of all applications, or 6.4% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans First Community Mortgage originated in Tennessee in 2025 was 6.38%, against a statewide median of 6.62%.
About this data. Figures are First Community Mortgage'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