SmartFi Home Loans in Tennessee vs the state
36.4%Denial rate+19.22 pts vs state
40.0%Decision denial rate+18.32 pts vs state
54.6%Origination rate-3.53 pts vs state
6.13%Median rate-0.50 pts vs state
—Rate spread (pts)
$33kMedian applicant income
6Loans originated
4Denied
What SmartFi Home Loans lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most SmartFi Home Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Davidson County | 2 | 1 | 1 | 50.0% |
| Blount County | 1 | 1 | 0 | 0.0% |
| Marshall County | 1 | 0 | 0 | 0.0% |
| Dyer County | 1 | 0 | 1 | 100.0% |
| Williamson County | 1 | 1 | 0 | 0.0% |
| Sevier County | 1 | 0 | 1 | 100.0% |
| Franklin County | 1 | 0 | 1 | 100.0% |
| Shelby County | 1 | 1 | 0 | 0.0% |
| Cumberland County | 1 | 1 | 0 | 0.0% |
| Wilson 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: 11 applications in 2025, of which 6 were originated and 4 denied.
36.4% of all applications, or 40.0% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans SmartFi Home Loans originated in Tennessee in 2025 was 6.13%, against a statewide median of 6.62%.
About this data. Figures are SmartFi Home Loans'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