Guild Mortgage in Tennessee vs the state
4.0%Denial rate-13.17 pts vs state
4.9%Decision denial rate-16.80 pts vs state
71.9%Origination rate+13.80 pts vs state
6.63%Median rate0.00 pts vs state
0.31Rate spread (pts)+0.08 pts vs state
$100kMedian applicant income
616Loans originated
34Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 201 | 117 | 10.5% | 6.63% | #192 |
| 2024 | 673 | 454 | 6.2% | 6.63% | #85 |
| 2025 | 857 | 616 | 4.0% | 6.63% | #77 |
What Guild Mortgage lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most Guild Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Davidson County | 151 | 105 | 2 | 1.3% |
| Shelby County | 110 | 70 | 7 | 6.4% |
| Sullivan County | 58 | 46 | 1 | 1.7% |
| Hamilton County | 46 | 39 | 4 | 8.7% |
| Washington County | 34 | 25 | 2 | 5.9% |
| Wilson County | 32 | 21 | 0 | 0.0% |
| Williamson County | 28 | 22 | 0 | 0.0% |
| Hamblen County | 27 | 21 | 1 | 3.7% |
| Rutherford County | 22 | 15 | 1 | 4.5% |
| Sumner County | 20 | 15 | 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: 857 applications in 2025, of which 616 were originated and 34 denied.
4.0% of all applications, or 4.9% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans Guild Mortgage originated in Tennessee in 2025 was 6.63%, against a statewide median of 6.62%.
About this data. Figures are Guild 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