LoanUnited.com in Tennessee vs the state
9.2%Denial rate-7.94 pts vs state
19.7%Decision denial rate-1.98 pts vs state
37.0%Origination rate-21.05 pts vs state
5.99%Median rate-0.63 pts vs state
-0.09Rate spread (pts)-0.32 pts vs state
$89kMedian applicant income
157Loans originated
39Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 122 | 40 | 5.7% | 5.88% | #262 |
| 2024 | 260 | 102 | 3.5% | 5.88% | #167 |
| 2025 | 424 | 157 | 9.2% | 5.99% | #127 |
What LoanUnited.com lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most LoanUnited.com applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Montgomery County | 43 | 9 | 2 | 4.7% |
| Shelby County | 41 | 12 | 8 | 19.5% |
| Knox County | 30 | 12 | 4 | 13.3% |
| Davidson County | 25 | 10 | 2 | 8.0% |
| Hamilton County | 24 | 10 | 1 | 4.2% |
| Rutherford County | 21 | 11 | 1 | 4.8% |
| Sumner County | 19 | 6 | 1 | 5.3% |
| Blount County | 13 | 5 | 1 | 7.7% |
| Wilson County | 11 | 6 | 1 | 9.1% |
| Washington County | 9 | 5 | 1 | 11.1% |
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: 424 applications in 2025, of which 157 were originated and 39 denied.
9.2% of all applications, or 19.7% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans LoanUnited.com originated in Tennessee in 2025 was 5.99%, against a statewide median of 6.62%.
About this data. Figures are LoanUnited.com'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