United Community Bank in Tennessee vs the state
23.8%Denial rate+6.70 pts vs state
26.3%Decision denial rate+4.65 pts vs state
65.0%Origination rate+6.92 pts vs state
6.50%Median rate-0.12 pts vs state
-0.62Rate spread (pts)-0.85 pts vs state
$109kMedian applicant income
1,055Loans originated
387Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,272 | 718 | 25.8% | 7.00% | #48 |
| 2024 | 1,188 | 730 | 26.4% | 7.13% | #50 |
| 2025 | 1,623 | 1,055 | 23.8% | 6.50% | #47 |
What United Community Bank lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most United Community Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Davidson County | 180 | 113 | 38 | 21.1% |
| Maury County | 172 | 114 | 44 | 25.6% |
| Montgomery County | 161 | 99 | 40 | 24.8% |
| Loudon County | 137 | 97 | 31 | 22.6% |
| Bradley County | 130 | 89 | 19 | 14.6% |
| Williamson County | 98 | 59 | 37 | 37.8% |
| Knox County | 94 | 59 | 25 | 26.6% |
| Cheatham County | 90 | 53 | 28 | 31.1% |
| Robertson County | 76 | 48 | 22 | 28.9% |
| Rutherford County | 61 | 41 | 9 | 14.8% |
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: 1,623 applications in 2025, of which 1,055 were originated and 387 denied.
23.8% of all applications, or 26.3% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans United Community Bank originated in Tennessee in 2025 was 6.50%, against a statewide median of 6.62%.
About this data. Figures are United Community 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