Home Federal Bank of Tennessee in Tennessee vs the state
5.9%Denial rate-11.21 pts vs state
6.5%Decision denial rate-15.23 pts vs state
84.5%Origination rate+26.38 pts vs state
5.99%Median rate-0.63 pts vs state
-0.42Rate spread (pts)-0.65 pts vs state
$119kMedian applicant income
826Loans originated
58Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 793 | 643 | 7.7% | 5.75% | #75 |
| 2024 | 822 | 674 | 8.8% | 6.00% | #73 |
| 2025 | 978 | 826 | 5.9% | 5.99% | #68 |
What Home Federal Bank of Tennessee lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most Home Federal Bank of Tennessee applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Knox County | 671 | 571 | 36 | 5.4% |
| Blount County | 83 | 74 | 2 | 2.4% |
| Sevier County | 60 | 50 | 5 | 8.3% |
| Anderson County | 39 | 29 | 6 | 15.4% |
| Loudon County | 34 | 32 | 0 | 0.0% |
| Roane County | 19 | 19 | 0 | 0.0% |
| Jefferson County | 16 | 12 | 1 | 6.3% |
| Grainger County | 16 | 11 | 1 | 6.3% |
| Union County | 15 | 13 | 2 | 13.3% |
| Monroe County | 5 | 2 | 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: 978 applications in 2025, of which 826 were originated and 58 denied.
5.9% of all applications, or 6.5% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans Home Federal Bank of Tennessee originated in Tennessee in 2025 was 5.99%, against a statewide median of 6.62%.
About this data. Figures are Home Federal Bank of Tennessee'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