Mountain Valley Bank in Tennessee vs the state
12.8%Denial rate-4.35 pts vs state
14.1%Decision denial rate-7.58 pts vs state
76.7%Origination rate+18.66 pts vs state
—Median rate
—Rate spread (pts)
$88kMedian applicant income
66Loans originated
11Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 150 | 107 | 10.0% | — | #233 |
| 2024 | 104 | 80 | 12.5% | — | #303 |
| 2025 | 86 | 66 | 12.8% | — | #350 |
What Mountain Valley Bank lends in Tennessee
By loan purpose
By loan type
Where in Tennessee
Counties with the most Mountain Valley Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hamilton County | 23 | 20 | 0 | 0.0% |
| Sequatchie County | 18 | 12 | 5 | 27.8% |
| Bledsoe County | 11 | 8 | 1 | 9.1% |
| Marion County | 11 | 7 | 3 | 27.3% |
| Grundy County | 5 | 4 | 1 | 20.0% |
| Knox County | 5 | 5 | 0 | 0.0% |
| Franklin County | 3 | 3 | 0 | 0.0% |
| Rhea County | 3 | 2 | 1 | 33.3% |
| Jefferson County | 2 | 2 | 0 | 0.0% |
| Loudon County | 1 | 0 | 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: 86 applications in 2025, of which 66 were originated and 11 denied.
12.8% of all applications, or 14.1% 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 Valley 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