Highlands Residential Mortgage in Tennessee vs the state
1.5%Denial rate-15.66 pts vs state
1.9%Decision denial rate-19.81 pts vs state
72.3%Origination rate+14.18 pts vs state
6.63%Median rate0.00 pts vs state
0.32Rate spread (pts)+0.09 pts vs state
$112kMedian applicant income
487Loans originated
10Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 729 | 505 | 3.0% | 6.63% | #81 |
| 2024 | 624 | 470 | 1.6% | 6.75% | #90 |
| 2025 | 674 | 487 | 1.5% | 6.63% | #89 |
What Highlands Residential Mortgage lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most Highlands Residential Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hamilton County | 177 | 126 | 6 | 3.4% |
| Sumner County | 79 | 57 | 0 | 0.0% |
| Davidson County | 75 | 51 | 0 | 0.0% |
| Williamson County | 57 | 37 | 0 | 0.0% |
| Maury County | 39 | 30 | 0 | 0.0% |
| Rutherford County | 31 | 27 | 0 | 0.0% |
| Marshall County | 31 | 23 | 0 | 0.0% |
| Robertson County | 18 | 15 | 0 | 0.0% |
| Montgomery County | 18 | 11 | 1 | 5.6% |
| Wilson County | 16 | 12 | 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: 674 applications in 2025, of which 487 were originated and 10 denied.
1.5% of all applications, or 1.9% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans Highlands Residential Mortgage originated in Tennessee in 2025 was 6.63%, against a statewide median of 6.62%.
About this data. Figures are Highlands Residential 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