Ladera Lending in Tennessee vs the state
3.8%Denial rate-13.34 pts vs state
11.5%Decision denial rate-10.14 pts vs state
27.9%Origination rate-30.23 pts vs state
6.99%Median rate+0.37 pts vs state
0.55Rate spread (pts)+0.32 pts vs state
$80kMedian applicant income
22Loans originated
3Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 194 | 52 | 4.1% | 6.63% | #199 |
| 2024 | 181 | 52 | 5.0% | 6.63% | #221 |
| 2025 | 79 | 22 | 3.8% | 6.99% | #357 |
What Ladera Lending lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most Ladera Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Davidson County | 8 | 2 | 0 | 0.0% |
| Shelby County | 6 | 3 | 1 | 16.7% |
| Williamson County | 5 | 0 | 0 | 0.0% |
| Hamilton County | 4 | 1 | 0 | 0.0% |
| Sumner County | 3 | 1 | 0 | 0.0% |
| Campbell County | 3 | 2 | 0 | 0.0% |
| Sevier County | 3 | 1 | 0 | 0.0% |
| Wilson County | 3 | 1 | 1 | 33.3% |
| Putnam County | 3 | 2 | 0 | 0.0% |
| Knox County | 3 | 1 | 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: 79 applications in 2025, of which 22 were originated and 3 denied.
3.8% of all applications, or 11.5% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans Ladera Lending originated in Tennessee in 2025 was 6.99%, against a statewide median of 6.62%.
About this data. Figures are Ladera 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