Regions Bank in Tennessee vs the state
36.5%Denial rate+19.40 pts vs state
40.2%Decision denial rate+18.52 pts vs state
47.3%Origination rate-10.76 pts vs state
4.99%Median rate-1.63 pts vs state
-2.11Rate spread (pts)-2.34 pts vs state
$86kMedian applicant income
5,322Loans originated
4,110Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 11,708 | 5,266 | 38.8% | 8.50% | #1 |
| 2024 | 11,336 | 5,247 | 37.4% | 6.99% | #2 |
| 2025 | 11,247 | 5,322 | 36.5% | 4.99% | #3 |
What Regions Bank lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most Regions Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Shelby County | 1,591 | 546 | 779 | 49.0% |
| Davidson County | 1,362 | 640 | 460 | 33.8% |
| Hamilton County | 922 | 473 | 321 | 34.8% |
| Knox County | 821 | 431 | 258 | 31.4% |
| Williamson County | 550 | 323 | 120 | 21.8% |
| Rutherford County | 490 | 253 | 157 | 32.0% |
| Sumner County | 328 | 162 | 105 | 32.0% |
| Madison County | 274 | 124 | 115 | 42.0% |
| Montgomery County | 253 | 113 | 87 | 34.4% |
| Maury County | 232 | 116 | 87 | 37.5% |
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% |
| 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% |
| Eastman Credit Union | D | 4,436 | 21.5% | 7.25% |
Frequently asked questions
Tennessee: 11,247 applications in 2025, of which 5,322 were originated and 4,110 denied.
36.5% of all applications, or 40.2% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans Regions Bank originated in Tennessee in 2025 was 4.99%, against a statewide median of 6.62%.
About this data. Figures are Regions Bank'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