Union Savings Bank in Tennessee vs the state
5.6%Denial rate-11.58 pts vs state
7.1%Decision denial rate-14.54 pts vs state
66.7%Origination rate+8.59 pts vs state
6.63%Median rate0.00 pts vs state
0.47Rate spread (pts)+0.24 pts vs state
$216kMedian applicant income
12Loans originated
1Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 19 | 12 | 5.3% | 6.81% | #526 |
| 2024 | 31 | 23 | 3.2% | 6.88% | #459 |
| 2025 | 18 | 12 | 5.6% | 6.63% | #548 |
What Union Savings Bank lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most Union Savings Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Shelby County | 4 | 1 | 1 | 25.0% |
| Blount County | 2 | 2 | 0 | 0.0% |
| Campbell County | 2 | 2 | 0 | 0.0% |
| Sumner County | 2 | 0 | 0 | 0.0% |
| Union County | 2 | 2 | 0 | 0.0% |
| Hamilton County | 1 | 1 | 0 | 0.0% |
| Davidson County | 1 | 1 | 0 | 0.0% |
| Hawkins County | 1 | 1 | 0 | 0.0% |
| Fentress County | 1 | 0 | 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: 18 applications in 2025, of which 12 were originated and 1 denied.
5.6% of all applications, or 7.1% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans Union Savings Bank originated in Tennessee in 2025 was 6.63%, against a statewide median of 6.62%.
About this data. Figures are Union Savings Bank'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