Leaders Credit Union in Tennessee vs the state
15.2%Denial rate-1.90 pts vs state
18.5%Decision denial rate-3.20 pts vs state
66.9%Origination rate+8.81 pts vs state
6.50%Median rate-0.12 pts vs state
0.10Rate spread (pts)-0.14 pts vs state
$91kMedian applicant income
1,505Loans originated
343Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,627 | 1,006 | 22.0% | 7.38% | #39 |
| 2024 | 2,002 | 1,303 | 18.8% | 6.99% | #37 |
| 2025 | 2,250 | 1,505 | 15.2% | 6.50% | #34 |
What Leaders Credit Union lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most Leaders Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Madison County | 662 | 458 | 85 | 12.8% |
| Gibson County | 318 | 215 | 39 | 12.3% |
| Shelby County | 297 | 205 | 28 | 9.4% |
| Dyer County | 206 | 121 | 50 | 24.3% |
| Tipton County | 122 | 96 | 8 | 6.6% |
| Obion County | 117 | 67 | 31 | 26.5% |
| Chester County | 77 | 58 | 11 | 14.3% |
| Crockett County | 69 | 46 | 9 | 13.0% |
| Fayette County | 45 | 33 | 6 | 13.3% |
| Weakley County | 44 | 21 | 13 | 29.5% |
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: 2,250 applications in 2025, of which 1,505 were originated and 343 denied.
15.2% of all applications, or 18.5% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans Leaders Credit Union originated in Tennessee in 2025 was 6.50%, against a statewide median of 6.62%.
About this data. Figures are Leaders Credit Union'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