Flat Branch Mortgage in Tennessee vs the state
0.6%Denial rate-16.50 pts vs state
0.8%Decision denial rate-20.92 pts vs state
82.2%Origination rate+24.09 pts vs state
6.38%Median rate-0.25 pts vs state
0.32Rate spread (pts)+0.08 pts vs state
$103kMedian applicant income
129Loans originated
1Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 68 | 57 | 0.0% | 6.99% | #345 |
| 2024 | 98 | 73 | 3.1% | 6.50% | #311 |
| 2025 | 157 | 129 | 0.6% | 6.38% | #250 |
What Flat Branch Mortgage lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most Flat Branch Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Davidson County | 19 | 15 | 0 | 0.0% |
| Sumner County | 15 | 14 | 0 | 0.0% |
| Robertson County | 14 | 13 | 0 | 0.0% |
| Hamilton County | 10 | 8 | 0 | 0.0% |
| Dickson County | 10 | 7 | 0 | 0.0% |
| Jefferson County | 9 | 9 | 0 | 0.0% |
| Maury County | 8 | 5 | 0 | 0.0% |
| Sevier County | 6 | 6 | 0 | 0.0% |
| Montgomery County | 6 | 6 | 0 | 0.0% |
| Rutherford County | 5 | 4 | 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: 157 applications in 2025, of which 129 were originated and 1 denied.
0.6% of all applications, or 0.8% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans Flat Branch Mortgage originated in Tennessee in 2025 was 6.38%, against a statewide median of 6.62%.
About this data. Figures are Flat Branch 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