Mortgage Access in Tennessee vs the state
3.7%Denial rate-13.44 pts vs state
5.9%Decision denial rate-15.80 pts vs state
59.3%Origination rate+1.18 pts vs state
6.19%Median rate-0.44 pts vs state
-0.11Rate spread (pts)-0.34 pts vs state
$158kMedian applicant income
32Loans originated
2Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 56 | 38 | 3.6% | 6.75% | #379 |
| 2024 | 56 | 30 | 1.8% | 6.69% | #379 |
| 2025 | 54 | 32 | 3.7% | 6.19% | #402 |
What Mortgage Access lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most Mortgage Access applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Sullivan County | 6 | 5 | 0 | 0.0% |
| Hamilton County | 6 | 5 | 0 | 0.0% |
| Bradley County | 5 | 2 | 1 | 20.0% |
| Washington County | 5 | 4 | 0 | 0.0% |
| Williamson County | 4 | 2 | 0 | 0.0% |
| Shelby County | 4 | 2 | 0 | 0.0% |
| Tipton County | 2 | 1 | 0 | 0.0% |
| Roane County | 2 | 0 | 1 | 50.0% |
| Loudon County | 2 | 1 | 0 | 0.0% |
| Monroe County | 2 | 1 | 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: 54 applications in 2025, of which 32 were originated and 2 denied.
3.7% of all applications, or 5.9% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans Mortgage Access originated in Tennessee in 2025 was 6.19%, against a statewide median of 6.62%.
About this data. Figures are Mortgage Access'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