Royal United Mortgage in Tennessee vs the state
21.4%Denial rate+4.25 pts vs state
25.4%Decision denial rate+3.76 pts vs state
61.7%Origination rate+3.61 pts vs state
6.63%Median rate0.00 pts vs state
1.00Rate spread (pts)+0.77 pts vs state
$46kMedian applicant income
124Loans originated
43Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 277 | 186 | 20.9% | 7.00% | #144 |
| 2024 | 277 | 176 | 22.4% | 6.63% | #159 |
| 2025 | 201 | 124 | 21.4% | 6.63% | #215 |
What Royal United Mortgage lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most Royal United Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Shelby County | 36 | 20 | 11 | 30.6% |
| Knox County | 11 | 9 | 1 | 9.1% |
| Sullivan County | 8 | 5 | 1 | 12.5% |
| Gibson County | 7 | 3 | 2 | 28.6% |
| Davidson County | 7 | 4 | 1 | 14.3% |
| Rutherford County | 7 | 4 | 2 | 28.6% |
| Sevier County | 6 | 4 | 0 | 0.0% |
| Hamilton County | 6 | 2 | 2 | 33.3% |
| Dickson County | 5 | 2 | 2 | 40.0% |
| Maury County | 5 | 4 | 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: 201 applications in 2025, of which 124 were originated and 43 denied.
21.4% of all applications, or 25.4% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans Royal United Mortgage originated in Tennessee in 2025 was 6.63%, against a statewide median of 6.62%.
About this data. Figures are Royal United Mortgage'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