Kind Lending in Tennessee vs the state
26.7%Denial rate+9.51 pts vs state
30.3%Decision denial rate+8.65 pts vs state
60.5%Origination rate+2.41 pts vs state
6.50%Median rate-0.12 pts vs state
0.25Rate spread (pts)+0.02 pts vs state
$109kMedian applicant income
597Loans originated
263Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 244 | 140 | 25.8% | 6.50% | #161 |
| 2024 | 453 | 276 | 24.1% | 6.63% | #109 |
| 2025 | 987 | 597 | 26.7% | 6.50% | #67 |
What Kind Lending lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most Kind Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Davidson County | 107 | 56 | 37 | 34.6% |
| Knox County | 94 | 53 | 28 | 29.8% |
| Sumner County | 75 | 51 | 13 | 17.3% |
| Williamson County | 75 | 44 | 22 | 29.3% |
| Rutherford County | 54 | 29 | 15 | 27.8% |
| Shelby County | 47 | 23 | 13 | 27.7% |
| Sullivan County | 37 | 25 | 7 | 18.9% |
| Washington County | 33 | 25 | 3 | 9.1% |
| Sevier County | 33 | 20 | 9 | 27.3% |
| Hamilton County | 30 | 23 | 6 | 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: 987 applications in 2025, of which 597 were originated and 263 denied.
26.7% of all applications, or 30.3% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans Kind Lending originated in Tennessee in 2025 was 6.50%, against a statewide median of 6.62%.
About this data. Figures are Kind Lending'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