Hearthside Bank in Tennessee vs the state
8.1%Denial rate-9.07 pts vs state
9.8%Decision denial rate-11.91 pts vs state
70.8%Origination rate+12.73 pts vs state
—Median rate
—Rate spread (pts)
$134kMedian applicant income
114Loans originated
13Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 143 | 102 | 11.9% | — | #242 |
| 2024 | 156 | 106 | 15.4% | — | #238 |
| 2025 | 161 | 114 | 8.1% | — | #246 |
What Hearthside Bank lends in Tennessee
By loan purpose
By loan type
Where in Tennessee
Counties with the most Hearthside Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Claiborne County | 50 | 32 | 7 | 14.0% |
| Campbell County | 31 | 29 | 2 | 6.5% |
| Knox County | 27 | 18 | 1 | 3.7% |
| Union County | 15 | 12 | 0 | 0.0% |
| Loudon County | 7 | 4 | 0 | 0.0% |
| Blount County | 7 | 4 | 0 | 0.0% |
| Sevier County | 5 | 3 | 1 | 20.0% |
| Anderson County | 3 | 0 | 0 | 0.0% |
| Roane County | 3 | 2 | 1 | 33.3% |
| Hancock 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: 161 applications in 2025, of which 114 were originated and 13 denied.
8.1% of all applications, or 9.8% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Hearthside 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