Member First Mortgage in Tennessee vs the state
37.5%Denial rate+20.36 pts vs state
75.0%Decision denial rate+53.32 pts vs state
12.5%Origination rate-45.58 pts vs state
6.38%Median rate-0.25 pts vs state
-0.21Rate spread (pts)-0.44 pts vs state
$86kMedian applicant income
1Loans originated
3Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 79 | 47 | 12.7% | 6.38% | #328 |
| 2024 | 13 | 6 | 7.7% | 6.19% | #570 |
| 2025 | 8 | 1 | 37.5% | 6.38% | #664 |
What Member First Mortgage lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most Member First Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Sullivan County | 2 | 0 | 1 | 50.0% |
| Claiborne County | 1 | 0 | 0 | 0.0% |
| Lewis County | 1 | 0 | 0 | 0.0% |
| Union County | 1 | 1 | 0 | 0.0% |
| Obion County | 1 | 0 | 0 | 0.0% |
| Sumner County | 1 | 0 | 1 | 100.0% |
| Washington County | 1 | 0 | 1 | 100.0% |
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: 8 applications in 2025, of which 1 were originated and 3 denied.
37.5% of all applications, or 75.0% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans Member First Mortgage originated in Tennessee in 2025 was 6.38%, against a statewide median of 6.62%.
About this data. Figures are Member First Mortgage'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