Georgia'S Own in Tennessee vs the state
28.6%Denial rate+11.43 pts vs state
33.3%Decision denial rate+11.65 pts vs state
57.1%Origination rate-0.94 pts vs state
5.19%Median rate-1.44 pts vs state
-0.60Rate spread (pts)-0.83 pts vs state
$115kMedian applicant income
4Loans originated
2Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 9 | 2 | 44.4% | 6.44% | #645 |
| 2024 | 5 | 0 | 40.0% | — | #747 |
| 2025 | 7 | 4 | 28.6% | 5.19% | #672 |
What Georgia'S Own lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most Georgia'S Own applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Davidson County | 2 | 1 | 1 | 50.0% |
| Sevier County | 2 | 1 | 1 | 50.0% |
| Shelby County | 1 | 0 | 0 | 0.0% |
| Hamilton County | 1 | 1 | 0 | 0.0% |
| Greene 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: 7 applications in 2025, of which 4 were originated and 2 denied.
28.6% of all applications, or 33.3% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans Georgia'S Own originated in Tennessee in 2025 was 5.19%, against a statewide median of 6.62%.
About this data. Figures are Georgia'S Own'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