United Cumberland Bank in Tennessee vs the state
10.0%Denial rate-7.14 pts vs state
12.4%Decision denial rate-9.33 pts vs state
71.0%Origination rate+12.92 pts vs state
—Median rate
—Rate spread (pts)
$80kMedian applicant income
71Loans originated
10Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 95 | 60 | 20.0% | — | #299 |
| 2024 | 90 | 67 | 14.4% | — | #324 |
| 2025 | 100 | 71 | 10.0% | — | #326 |
What United Cumberland Bank lends in Tennessee
By loan purpose
By loan type
Where in Tennessee
Counties with the most United Cumberland Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Scott County | 81 | 59 | 6 | 7.4% |
| Campbell County | 12 | 7 | 2 | 16.7% |
| Robertson County | 1 | 0 | 1 | 100.0% |
| Benton County | 1 | 1 | 0 | 0.0% |
| Blount County | 1 | 1 | 0 | 0.0% |
| Morgan County | 1 | 1 | 0 | 0.0% |
| Union County | 1 | 0 | 1 | 100.0% |
| Roane County | 1 | 1 | 0 | 0.0% |
| Knox 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: 100 applications in 2025, of which 71 were originated and 10 denied.
10.0% of all applications, or 12.4% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are United Cumberland 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