Sfmc in Tennessee vs the state
4.7%Denial rate-12.47 pts vs state
5.4%Decision denial rate-16.25 pts vs state
73.8%Origination rate+15.75 pts vs state
6.63%Median rate0.00 pts vs state
0.58Rate spread (pts)+0.35 pts vs state
$112kMedian applicant income
79Loans originated
5Denied
What Sfmc lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most Sfmc applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Robertson County | 55 | 42 | 2 | 3.6% |
| Sumner County | 31 | 22 | 1 | 3.2% |
| Montgomery County | 8 | 5 | 0 | 0.0% |
| Davidson County | 4 | 3 | 0 | 0.0% |
| Macon County | 3 | 1 | 2 | 66.7% |
| Cheatham County | 2 | 2 | 0 | 0.0% |
| Rutherford County | 1 | 1 | 0 | 0.0% |
| Hickman County | 1 | 1 | 0 | 0.0% |
| Shelby County | 1 | 1 | 0 | 0.0% |
| Trousdale 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: 107 applications in 2025, of which 79 were originated and 5 denied.
4.7% of all applications, or 5.4% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans Sfmc originated in Tennessee in 2025 was 6.63%, against a statewide median of 6.62%.
About this data. Figures are Sfmc'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