Ony Glo in Tennessee vs the state
26.9%Denial rate+9.78 pts vs state
33.3%Decision denial rate+11.65 pts vs state
53.9%Origination rate-4.23 pts vs state
6.69%Median rate+0.06 pts vs state
0.23Rate spread (pts)0.00 pts vs state
$159kMedian applicant income
14Loans originated
7Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 22 | 11 | 36.4% | 6.50% | #502 |
| 2024 | 25 | 14 | 24.0% | 7.13% | #487 |
| 2025 | 26 | 14 | 26.9% | 6.69% | #501 |
What Ony Glo lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most Ony Glo applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Davidson County | 7 | 2 | 4 | 57.1% |
| Rutherford County | 3 | 1 | 1 | 33.3% |
| Shelby County | 3 | 2 | 0 | 0.0% |
| Hamilton County | 2 | 2 | 0 | 0.0% |
| Williamson County | 2 | 2 | 0 | 0.0% |
| Sumner County | 2 | 0 | 1 | 50.0% |
| Robertson County | 2 | 1 | 0 | 0.0% |
| Anderson County | 1 | 1 | 0 | 0.0% |
| Coffee County | 1 | 0 | 1 | 100.0% |
| Marshall 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: 26 applications in 2025, of which 14 were originated and 7 denied.
26.9% of all applications, or 33.3% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans Ony Glo originated in Tennessee in 2025 was 6.69%, against a statewide median of 6.62%.
About this data. Figures are Ony Glo'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