Nations Direct Mortgage in Tennessee vs the state
6.7%Denial rate-10.47 pts vs state
10.5%Decision denial rate-11.15 pts vs state
56.7%Origination rate-1.41 pts vs state
6.56%Median rate-0.07 pts vs state
0.28Rate spread (pts)+0.05 pts vs state
$113kMedian applicant income
34Loans originated
4Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 40 | 18 | 12.5% | 6.63% | #424 |
| 2024 | 55 | 28 | 12.7% | 6.69% | #383 |
| 2025 | 60 | 34 | 6.7% | 6.56% | #385 |
What Nations Direct Mortgage lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most Nations Direct Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Davidson County | 13 | 5 | 1 | 7.7% |
| Sumner County | 7 | 3 | 0 | 0.0% |
| Hamilton County | 6 | 3 | 0 | 0.0% |
| Shelby County | 4 | 3 | 1 | 25.0% |
| Williamson County | 3 | 0 | 0 | 0.0% |
| Knox County | 3 | 3 | 0 | 0.0% |
| Montgomery County | 2 | 2 | 0 | 0.0% |
| Campbell County | 2 | 2 | 0 | 0.0% |
| Bradley County | 2 | 1 | 0 | 0.0% |
| Wilson County | 2 | 1 | 1 | 50.0% |
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: 60 applications in 2025, of which 34 were originated and 4 denied.
6.7% of all applications, or 10.5% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans Nations Direct Mortgage originated in Tennessee in 2025 was 6.56%, against a statewide median of 6.62%.
About this data. Figures are Nations Direct 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