Sente Mortgage in Tennessee vs the state
4.6%Denial rate-12.59 pts vs state
14.3%Decision denial rate-7.39 pts vs state
27.3%Origination rate-30.81 pts vs state
6.75%Median rate+0.13 pts vs state
0.66Rate spread (pts)+0.43 pts vs state
$66kMedian applicant income
6Loans originated
1Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 9 | 7 | 11.1% | 7.00% | #615 |
| 2025 | 22 | 6 | 4.6% | 6.75% | #522 |
What Sente Mortgage lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most Sente Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Shelby County | 4 | 2 | 0 | 0.0% |
| Knox County | 3 | 2 | 0 | 0.0% |
| Cumberland County | 2 | 0 | 0 | 0.0% |
| Carroll County | 2 | 0 | 0 | 0.0% |
| Weakley County | 1 | 1 | 0 | 0.0% |
| Polk County | 1 | 0 | 0 | 0.0% |
| Marshall County | 1 | 0 | 0 | 0.0% |
| Cheatham County | 1 | 0 | 0 | 0.0% |
| Campbell County | 1 | 0 | 0 | 0.0% |
| Benton 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: 22 applications in 2025, of which 6 were originated and 1 denied.
4.6% of all applications, or 14.3% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans Sente Mortgage originated in Tennessee in 2025 was 6.75%, against a statewide median of 6.62%.
About this data. Figures are Sente 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