Polaris Home Funding in Tennessee vs the state
15.6%Denial rate-1.51 pts vs state
20.8%Decision denial rate-0.85 pts vs state
43.8%Origination rate-14.33 pts vs state
6.50%Median rate-0.12 pts vs state
0.64Rate spread (pts)+0.41 pts vs state
$78kMedian applicant income
14Loans originated
5Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 34 | 14 | 17.7% | 6.69% | #446 |
| 2024 | 27 | 17 | 14.8% | 6.75% | #483 |
| 2025 | 32 | 14 | 15.6% | 6.50% | #472 |
What Polaris Home Funding lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most Polaris Home Funding applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Shelby County | 5 | 2 | 0 | 0.0% |
| Fentress County | 4 | 2 | 0 | 0.0% |
| Knox County | 2 | 1 | 0 | 0.0% |
| Blount County | 2 | 1 | 0 | 0.0% |
| Wilson County | 2 | 1 | 1 | 50.0% |
| Sullivan County | 2 | 2 | 0 | 0.0% |
| Putnam County | 2 | 0 | 1 | 50.0% |
| Fayette County | 1 | 0 | 1 | 100.0% |
| Jackson County | 1 | 0 | 0 | 0.0% |
| Washington 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: 32 applications in 2025, of which 14 were originated and 5 denied.
15.6% of all applications, or 20.8% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans Polaris Home Funding originated in Tennessee in 2025 was 6.50%, against a statewide median of 6.62%.
About this data. Figures are Polaris Home Funding'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