Liberty in Tennessee vs the state
5.7%Denial rate-11.47 pts vs state
6.9%Decision denial rate-14.83 pts vs state
76.4%Origination rate+18.34 pts vs state
6.88%Median rate+0.25 pts vs state
0.28Rate spread (pts)+0.05 pts vs state
$155kMedian applicant income
687Loans originated
51Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 655 | 463 | 9.0% | 7.50% | #87 |
| 2024 | 707 | 529 | 6.2% | 7.50% | #81 |
| 2025 | 899 | 687 | 5.7% | 6.88% | #73 |
What Liberty lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most Liberty applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Williamson County | 205 | 155 | 17 | 8.3% |
| Rutherford County | 133 | 91 | 11 | 8.3% |
| Davidson County | 131 | 96 | 9 | 6.9% |
| Maury County | 59 | 48 | 3 | 5.1% |
| Sumner County | 33 | 26 | 1 | 3.0% |
| Wilson County | 33 | 22 | 0 | 0.0% |
| Hamilton County | 17 | 15 | 0 | 0.0% |
| Sevier County | 15 | 14 | 1 | 6.7% |
| Knox County | 13 | 9 | 0 | 0.0% |
| Montgomery County | 12 | 10 | 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: 899 applications in 2025, of which 687 were originated and 51 denied.
5.7% of all applications, or 6.9% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans Liberty originated in Tennessee in 2025 was 6.88%, against a statewide median of 6.62%.
About this data. Figures are Liberty'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