Orion Federal Credit Union in Tennessee vs the state
2.9%Denial rate-14.22 pts vs state
3.7%Decision denial rate-17.96 pts vs state
75.6%Origination rate+17.52 pts vs state
6.25%Median rate-0.37 pts vs state
-0.06Rate spread (pts)-0.29 pts vs state
$116kMedian applicant income
285Loans originated
11Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 264 | 162 | 5.7% | 6.50% | #150 |
| 2024 | 321 | 222 | 4.1% | 6.38% | #136 |
| 2025 | 377 | 285 | 2.9% | 6.25% | #134 |
What Orion Federal Credit Union lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most Orion Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Shelby County | 329 | 250 | 10 | 3.0% |
| Fayette County | 17 | 13 | 0 | 0.0% |
| Madison County | 6 | 4 | 0 | 0.0% |
| Davidson County | 6 | 5 | 0 | 0.0% |
| Tipton County | 4 | 1 | 0 | 0.0% |
| Knox County | 2 | 2 | 0 | 0.0% |
| Hardeman County | 2 | 2 | 0 | 0.0% |
| Carroll County | 2 | 1 | 0 | 0.0% |
| Benton County | 2 | 1 | 0 | 0.0% |
| Franklin 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: 377 applications in 2025, of which 285 were originated and 11 denied.
2.9% of all applications, or 3.7% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans Orion Federal Credit Union originated in Tennessee in 2025 was 6.25%, against a statewide median of 6.62%.
About this data. Figures are Orion Federal 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