Homeowners Financial Group USA in Tennessee vs the state
23.5%Denial rate+6.39 pts vs state
33.3%Decision denial rate+11.65 pts vs state
47.1%Origination rate-11.02 pts vs state
5.94%Median rate-0.69 pts vs state
-0.13Rate spread (pts)-0.36 pts vs state
$94kMedian applicant income
8Loans originated
4Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 22 | 15 | 4.6% | 6.75% | #498 |
| 2024 | 10 | 10 | 0.0% | 6.69% | #595 |
| 2025 | 17 | 8 | 23.5% | 5.94% | #558 |
What Homeowners Financial Group USA lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most Homeowners Financial Group USA applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Rutherford County | 3 | 2 | 1 | 33.3% |
| Knox County | 2 | 1 | 0 | 0.0% |
| Williamson County | 2 | 0 | 2 | 100.0% |
| Davidson County | 2 | 2 | 0 | 0.0% |
| Montgomery County | 2 | 1 | 0 | 0.0% |
| Morgan County | 1 | 0 | 0 | 0.0% |
| Scott County | 1 | 0 | 1 | 100.0% |
| Hamilton County | 1 | 0 | 0 | 0.0% |
| Roane County | 1 | 1 | 0 | 0.0% |
| Grainger 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: 17 applications in 2025, of which 8 were originated and 4 denied.
23.5% of all applications, or 33.3% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans Homeowners Financial Group USA originated in Tennessee in 2025 was 5.94%, against a statewide median of 6.62%.
About this data. Figures are Homeowners Financial Group USA'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