Homexpress Mortgage in Tennessee vs the state
41.9%Denial rate+24.79 pts vs state
42.4%Decision denial rate+20.73 pts vs state
55.5%Origination rate-2.56 pts vs state
7.50%Median rate+0.88 pts vs state
1.18Rate spread (pts)+0.95 pts vs state
$156kMedian applicant income
196Loans originated
148Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 164 | 95 | 40.9% | 8.63% | #214 |
| 2024 | 320 | 161 | 47.5% | 8.00% | #137 |
| 2025 | 353 | 196 | 41.9% | 7.50% | #143 |
What Homexpress Mortgage lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most Homexpress Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Shelby County | 76 | 30 | 45 | 59.2% |
| Davidson County | 75 | 43 | 30 | 40.0% |
| Sevier County | 21 | 15 | 6 | 28.6% |
| Knox County | 21 | 10 | 10 | 47.6% |
| Hamilton County | 17 | 12 | 4 | 23.5% |
| Williamson County | 17 | 11 | 5 | 29.4% |
| Montgomery County | 14 | 8 | 6 | 42.9% |
| Rutherford County | 13 | 9 | 4 | 30.8% |
| Robertson County | 12 | 10 | 1 | 8.3% |
| Sullivan County | 9 | 8 | 1 | 11.1% |
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: 353 applications in 2025, of which 196 were originated and 148 denied.
41.9% of all applications, or 42.4% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans Homexpress Mortgage originated in Tennessee in 2025 was 7.50%, against a statewide median of 6.62%.
About this data. Figures are Homexpress 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