Mountain Commerce Bank in Tennessee vs the state
5.4%Denial rate-11.73 pts vs state
6.1%Decision denial rate-15.62 pts vs state
78.4%Origination rate+20.30 pts vs state
—Median rate
—Rate spread (pts)
$307kMedian applicant income
116Loans originated
8Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 206 | 134 | 4.9% | — | #188 |
| 2024 | 111 | 79 | 7.2% | — | #287 |
| 2025 | 148 | 116 | 5.4% | — | #263 |
What Mountain Commerce Bank lends in Tennessee
By loan purpose
By loan type
Where in Tennessee
Counties with the most Mountain Commerce Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Knox County | 59 | 50 | 2 | 3.4% |
| Sevier County | 20 | 17 | 0 | 0.0% |
| Washington County | 12 | 9 | 1 | 8.3% |
| Loudon County | 9 | 6 | 2 | 22.2% |
| Williamson County | 7 | 6 | 1 | 14.3% |
| Sullivan County | 6 | 4 | 0 | 0.0% |
| Davidson County | 6 | 3 | 0 | 0.0% |
| Blount County | 5 | 5 | 0 | 0.0% |
| Unicoi County | 4 | 2 | 0 | 0.0% |
| Rutherford County | 3 | 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: 148 applications in 2025, of which 116 were originated and 8 denied.
5.4% of all applications, or 6.1% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Mountain Commerce Bank'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