Home Mortgage Alliance Corporation (HMAC) in Tennessee vs the state
14.3%Denial rate-2.85 pts vs state
20.0%Decision denial rate-1.68 pts vs state
53.6%Origination rate-4.51 pts vs state
7.19%Median rate+0.56 pts vs state
0.89Rate spread (pts)+0.66 pts vs state
$142kMedian applicant income
15Loans originated
4Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 48 | 19 | 20.8% | 8.38% | #397 |
| 2024 | 58 | 25 | 3.5% | 8.13% | #371 |
| 2025 | 28 | 15 | 14.3% | 7.19% | #491 |
What Home Mortgage Alliance Corporation (HMAC) lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most Home Mortgage Alliance Corporation (HMAC) applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Shelby County | 5 | 3 | 0 | 0.0% |
| Davidson County | 4 | 2 | 2 | 50.0% |
| Sevier County | 3 | 2 | 0 | 0.0% |
| Knox County | 3 | 2 | 0 | 0.0% |
| Hamblen County | 3 | 2 | 1 | 33.3% |
| Sumner County | 2 | 0 | 0 | 0.0% |
| Greene County | 2 | 0 | 0 | 0.0% |
| Williamson County | 1 | 1 | 0 | 0.0% |
| Montgomery County | 1 | 1 | 0 | 0.0% |
| Wilson County | 1 | 0 | 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: 28 applications in 2025, of which 15 were originated and 4 denied.
14.3% of all applications, or 20.0% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans Home Mortgage Alliance Corporation (HMAC) originated in Tennessee in 2025 was 7.19%, against a statewide median of 6.62%.
About this data. Figures are Home Mortgage Alliance Corporation (HMAC)'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