Old Hickory Credit Union in Tennessee vs the state
24.2%Denial rate+7.05 pts vs state
28.2%Decision denial rate+6.49 pts vs state
61.7%Origination rate+3.61 pts vs state
7.50%Median rate+0.88 pts vs state
7.25Rate spread (pts)+7.02 pts vs state
$99kMedian applicant income
153Loans originated
60Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 234 | 164 | 22.2% | 6.50% | #167 |
| 2024 | 202 | 148 | 18.8% | 7.88% | #203 |
| 2025 | 248 | 153 | 24.2% | 7.50% | #183 |
What Old Hickory Credit Union lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
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: 248 applications in 2025, of which 153 were originated and 60 denied.
24.2% of all applications, or 28.2% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans Old Hickory Credit Union originated in Tennessee in 2025 was 7.50%, against a statewide median of 6.62%.
About this data. Figures are Old Hickory Credit Union'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