Granite Bank in Tennessee vs the state
45.5%Denial rate+28.31 pts vs state
50.0%Decision denial rate+28.32 pts vs state
45.5%Origination rate-12.63 pts vs state
5.75%Median rate-0.87 pts vs state
-0.32Rate spread (pts)-0.55 pts vs state
$94kMedian applicant income
5Loans originated
5Denied
What Granite Bank lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most Granite Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| McMinn County | 2 | 0 | 2 | 100.0% |
| Knox County | 2 | 1 | 0 | 0.0% |
| Franklin County | 1 | 1 | 0 | 0.0% |
| Loudon County | 1 | 1 | 0 | 0.0% |
| Anderson County | 1 | 0 | 1 | 100.0% |
| Sumner County | 1 | 0 | 1 | 100.0% |
| Rutherford County | 1 | 0 | 1 | 100.0% |
| Davidson County | 1 | 1 | 0 | 0.0% |
| Sullivan 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: 11 applications in 2025, of which 5 were originated and 5 denied.
45.5% of all applications, or 50.0% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans Granite Bank originated in Tennessee in 2025 was 5.75%, against a statewide median of 6.62%.
About this data. Figures are Granite Bank'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