Ornl in Tennessee vs the state
14.7%Denial rate-2.45 pts vs state
17.3%Decision denial rate-4.43 pts vs state
54.0%Origination rate-4.05 pts vs state
7.25%Median rate+0.63 pts vs state
0.37Rate spread (pts)+0.14 pts vs state
$105kMedian applicant income
1,114Loans originated
303Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,755 | 1,818 | 6.8% | 6.88% | #22 |
| 2024 | 2,185 | 1,378 | 10.4% | 8.00% | #33 |
| 2025 | 2,062 | 1,114 | 14.7% | 7.25% | #36 |
What Ornl lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most Ornl applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Knox County | 817 | 450 | 113 | 13.8% |
| Anderson County | 189 | 111 | 29 | 15.3% |
| Blount County | 181 | 105 | 21 | 11.6% |
| Roane County | 154 | 84 | 22 | 14.3% |
| Loudon County | 134 | 82 | 16 | 11.9% |
| Monroe County | 70 | 29 | 13 | 18.6% |
| Hamblen County | 70 | 31 | 13 | 18.6% |
| Campbell County | 69 | 28 | 12 | 17.4% |
| Sevier County | 63 | 26 | 13 | 20.6% |
| Jefferson County | 58 | 33 | 11 | 19.0% |
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: 2,062 applications in 2025, of which 1,114 were originated and 303 denied.
14.7% of all applications, or 17.3% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans Ornl originated in Tennessee in 2025 was 7.25%, against a statewide median of 6.62%.
About this data. Figures are Ornl'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