U. T. Federal Credit Union in Tennessee vs the state
18.4%Denial rate+1.21 pts vs state
19.2%Decision denial rate-2.51 pts vs state
73.4%Origination rate+15.30 pts vs state
6.88%Median rate+0.25 pts vs state
0.59Rate spread (pts)+0.36 pts vs state
$106kMedian applicant income
204Loans originated
51Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 301 | 199 | 15.6% | 6.38% | #137 |
| 2024 | 294 | 197 | 17.7% | 7.13% | #149 |
| 2025 | 278 | 204 | 18.4% | 6.88% | #170 |
What U. T. Federal Credit Union lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most U. T. Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Knox County | 143 | 101 | 26 | 18.2% |
| Weakley County | 30 | 26 | 4 | 13.3% |
| Blount County | 20 | 15 | 4 | 20.0% |
| Shelby County | 15 | 12 | 2 | 13.3% |
| Loudon County | 11 | 9 | 2 | 18.2% |
| Anderson County | 9 | 6 | 3 | 33.3% |
| Obion County | 8 | 8 | 0 | 0.0% |
| Sevier County | 7 | 5 | 1 | 14.3% |
| Gibson County | 4 | 4 | 0 | 0.0% |
| Jefferson County | 4 | 2 | 2 | 50.0% |
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: 278 applications in 2025, of which 204 were originated and 51 denied.
18.4% of all applications, or 19.2% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans U. T. Federal Credit Union originated in Tennessee in 2025 was 6.88%, against a statewide median of 6.62%.
About this data. Figures are U. T. Federal Credit Union'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