Oceanside Mortgage in Tennessee vs the state
4.2%Denial rate-12.97 pts vs state
4.8%Decision denial rate-16.92 pts vs state
83.3%Origination rate+25.25 pts vs state
6.44%Median rate-0.19 pts vs state
—Rate spread (pts)
$31kMedian applicant income
20Loans originated
1Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 7 | 7 | 0.0% | 6.25% | #681 |
| 2024 | 12 | 7 | 25.0% | 5.75% | #573 |
| 2025 | 24 | 20 | 4.2% | 6.44% | #510 |
What Oceanside Mortgage lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most Oceanside Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Shelby County | 5 | 4 | 0 | 0.0% |
| Knox County | 2 | 1 | 1 | 50.0% |
| McMinn County | 2 | 1 | 0 | 0.0% |
| Montgomery County | 2 | 2 | 0 | 0.0% |
| Obion County | 2 | 2 | 0 | 0.0% |
| Washington County | 1 | 1 | 0 | 0.0% |
| DeKalb County | 1 | 1 | 0 | 0.0% |
| Hamilton County | 1 | 1 | 0 | 0.0% |
| Morgan County | 1 | 1 | 0 | 0.0% |
| Lauderdale 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: 24 applications in 2025, of which 20 were originated and 1 denied.
4.2% of all applications, or 4.8% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans Oceanside Mortgage originated in Tennessee in 2025 was 6.44%, against a statewide median of 6.62%.
About this data. Figures are Oceanside 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