Guaranty Mortgage Services in Tennessee vs the state
1.9%Denial rate-15.27 pts vs state
2.8%Decision denial rate-18.86 pts vs state
64.5%Origination rate+6.41 pts vs state
6.75%Median rate+0.13 pts vs state
0.46Rate spread (pts)+0.23 pts vs state
$97kMedian applicant income
69Loans originated
2Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 65 | 48 | 1.5% | 6.75% | #351 |
| 2024 | 98 | 69 | 3.1% | 6.88% | #310 |
| 2025 | 107 | 69 | 1.9% | 6.75% | #310 |
What Guaranty Mortgage Services lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most Guaranty Mortgage Services applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hamilton County | 28 | 14 | 0 | 0.0% |
| Putnam County | 22 | 17 | 0 | 0.0% |
| Cumberland County | 18 | 12 | 0 | 0.0% |
| White County | 5 | 4 | 0 | 0.0% |
| Fentress County | 5 | 3 | 0 | 0.0% |
| Overton County | 4 | 3 | 0 | 0.0% |
| DeKalb County | 4 | 3 | 0 | 0.0% |
| Bradley County | 3 | 1 | 1 | 33.3% |
| Bledsoe County | 3 | 2 | 1 | 33.3% |
| Rhea County | 2 | 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: 107 applications in 2025, of which 69 were originated and 2 denied.
1.9% of all applications, or 2.8% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans Guaranty Mortgage Services originated in Tennessee in 2025 was 6.75%, against a statewide median of 6.62%.
About this data. Figures are Guaranty Mortgage Services'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