Oaktree Funding in Tennessee vs the state
2.0%Denial rate-15.10 pts vs state
2.3%Decision denial rate-19.41 pts vs state
42.9%Origination rate-15.22 pts vs state
7.13%Median rate+0.50 pts vs state
0.76Rate spread (pts)+0.53 pts vs state
$158kMedian applicant income
21Loans originated
1Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 53 | 18 | 15.1% | 8.19% | #383 |
| 2024 | 65 | 22 | 1.5% | 8.06% | #355 |
| 2025 | 49 | 21 | 2.0% | 7.13% | #415 |
What Oaktree Funding lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most Oaktree Funding applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Davidson County | 14 | 3 | 0 | 0.0% |
| Sevier County | 8 | 5 | 0 | 0.0% |
| Maury County | 5 | 2 | 0 | 0.0% |
| Williamson County | 4 | 4 | 0 | 0.0% |
| Sullivan County | 3 | 1 | 0 | 0.0% |
| Rutherford County | 2 | 1 | 0 | 0.0% |
| Hamilton County | 1 | 0 | 0 | 0.0% |
| Sumner County | 1 | 0 | 0 | 0.0% |
| Fayette County | 1 | 0 | 1 | 100.0% |
| Lincoln County | 1 | 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: 49 applications in 2025, of which 21 were originated and 1 denied.
2.0% of all applications, or 2.3% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans Oaktree Funding originated in Tennessee in 2025 was 7.13%, against a statewide median of 6.62%.
About this data. Figures are Oaktree Funding'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