Union Home Mortgage in Tennessee vs the state
4.8%Denial rate-12.33 pts vs state
5.9%Decision denial rate-15.81 pts vs state
75.9%Origination rate+17.85 pts vs state
6.38%Median rate-0.25 pts vs state
0.26Rate spread (pts)+0.03 pts vs state
$91kMedian applicant income
1,404Loans originated
89Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,015 | 754 | 3.7% | 6.88% | #62 |
| 2024 | 1,335 | 998 | 4.6% | 6.63% | #47 |
| 2025 | 1,849 | 1,404 | 4.8% | 6.38% | #40 |
What Union Home Mortgage lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most Union Home Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hamilton County | 465 | 341 | 18 | 3.9% |
| Putnam County | 102 | 88 | 6 | 5.9% |
| Knox County | 88 | 65 | 11 | 12.5% |
| Hamblen County | 72 | 58 | 2 | 2.8% |
| Bradley County | 71 | 39 | 5 | 7.0% |
| Montgomery County | 71 | 60 | 2 | 2.8% |
| Shelby County | 48 | 40 | 1 | 2.1% |
| Wilson County | 48 | 36 | 4 | 8.3% |
| Hardin County | 42 | 37 | 3 | 7.1% |
| Jefferson County | 41 | 37 | 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: 1,849 applications in 2025, of which 1,404 were originated and 89 denied.
4.8% of all applications, or 5.9% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans Union Home Mortgage originated in Tennessee in 2025 was 6.38%, against a statewide median of 6.62%.
About this data. Figures are Union Home 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