LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans in Tennessee vs the state
6.9%Denial rate-10.26 pts vs state
10.7%Decision denial rate-10.97 pts vs state
49.3%Origination rate-8.80 pts vs state
6.00%Median rate-0.63 pts vs state
-0.26Rate spread (pts)-0.49 pts vs state
$147kMedian applicant income
172Loans originated
24Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 14 | 5 | 14.3% | 6.63% | #563 |
| 2024 | 121 | 63 | 8.3% | 6.37% | #270 |
| 2025 | 349 | 172 | 6.9% | 6.00% | #147 |
What LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Davidson County | 49 | 24 | 4 | 8.2% |
| Williamson County | 33 | 20 | 1 | 3.0% |
| Rutherford County | 29 | 17 | 1 | 3.4% |
| Hamilton County | 28 | 16 | 2 | 7.1% |
| Shelby County | 26 | 10 | 2 | 7.7% |
| Knox County | 21 | 10 | 1 | 4.8% |
| Wilson County | 17 | 10 | 1 | 5.9% |
| Sullivan County | 13 | 2 | 2 | 15.4% |
| Sumner County | 12 | 7 | 0 | 0.0% |
| Montgomery County | 12 | 3 | 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: 349 applications in 2025, of which 172 were originated and 24 denied.
6.9% of all applications, or 10.7% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans originated in Tennessee in 2025 was 6.00%, against a statewide median of 6.62%.
About this data. Figures are LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans'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