OCMBC in Tennessee vs the state
15.5%Denial rate-1.67 pts vs state
21.5%Decision denial rate-0.22 pts vs state
45.6%Origination rate-12.50 pts vs state
7.06%Median rate+0.44 pts vs state
0.76Rate spread (pts)+0.53 pts vs state
$118kMedian applicant income
165Loans originated
56Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 190 | 84 | 30.0% | 8.38% | #201 |
| 2024 | 262 | 136 | 16.8% | 7.88% | #164 |
| 2025 | 362 | 165 | 15.5% | 7.06% | #140 |
What OCMBC lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most OCMBC applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Davidson County | 84 | 44 | 13 | 15.5% |
| Shelby County | 62 | 28 | 8 | 12.9% |
| Rutherford County | 44 | 20 | 10 | 22.7% |
| Knox County | 19 | 9 | 2 | 10.5% |
| Hamilton County | 19 | 8 | 2 | 10.5% |
| Williamson County | 18 | 4 | 3 | 16.7% |
| Montgomery County | 17 | 7 | 7 | 41.2% |
| Maury County | 11 | 5 | 0 | 0.0% |
| Sevier County | 11 | 3 | 1 | 9.1% |
| Wilson County | 9 | 4 | 1 | 11.1% |
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: 362 applications in 2025, of which 165 were originated and 56 denied.
15.5% of all applications, or 21.5% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans OCMBC originated in Tennessee in 2025 was 7.06%, against a statewide median of 6.62%.
About this data. Figures are OCMBC'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