Kiavi Funding in Tennessee vs the state
8.5%Denial rate-8.64 pts vs state
11.2%Decision denial rate-10.44 pts vs state
65.1%Origination rate+7.02 pts vs state
9.95%Median rate+3.33 pts vs state
—Rate spread (pts)
—Median applicant income
735Loans originated
96Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 773 | 501 | 10.7% | 10.50% | #77 |
| 2024 | 850 | 638 | 9.3% | 10.50% | #70 |
| 2025 | 1,129 | 735 | 8.5% | 9.95% | #60 |
What Kiavi Funding lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most Kiavi Funding applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Shelby County | 398 | 217 | 40 | 10.1% |
| Hamilton County | 193 | 161 | 18 | 9.3% |
| Knox County | 167 | 114 | 13 | 7.8% |
| Davidson County | 70 | 36 | 2 | 2.9% |
| Blount County | 34 | 29 | 3 | 8.8% |
| Montgomery County | 28 | 20 | 3 | 10.7% |
| Bradley County | 26 | 19 | 2 | 7.7% |
| Anderson County | 19 | 17 | 1 | 5.3% |
| Lauderdale County | 18 | 2 | 0 | 0.0% |
| Loudon County | 15 | 8 | 3 | 20.0% |
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: 1,129 applications in 2025, of which 735 were originated and 96 denied.
8.5% of all applications, or 11.2% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans Kiavi Funding originated in Tennessee in 2025 was 9.95%, against a statewide median of 6.62%.
About this data. Figures are Kiavi Funding'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