United Home Loans in Tennessee vs the state
3.3%Denial rate-13.81 pts vs state
4.4%Decision denial rate-17.33 pts vs state
73.3%Origination rate+15.25 pts vs state
6.56%Median rate-0.06 pts vs state
0.29Rate spread (pts)+0.06 pts vs state
$136kMedian applicant income
22Loans originated
1Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 7 | 4 | 14.3% | 7.06% | #678 |
| 2024 | 25 | 21 | 0.0% | 6.99% | #493 |
| 2025 | 30 | 22 | 3.3% | 6.56% | #478 |
What United Home Loans lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most United Home Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Davidson County | 14 | 11 | 0 | 0.0% |
| Sumner County | 3 | 1 | 1 | 33.3% |
| Williamson County | 3 | 3 | 0 | 0.0% |
| Bedford County | 2 | 1 | 0 | 0.0% |
| Wilson County | 2 | 2 | 0 | 0.0% |
| Lincoln County | 1 | 1 | 0 | 0.0% |
| Knox County | 1 | 1 | 0 | 0.0% |
| Coffee County | 1 | 0 | 0 | 0.0% |
| Rutherford County | 1 | 1 | 0 | 0.0% |
| Cheatham County | 1 | 0 | 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: 30 applications in 2025, of which 22 were originated and 1 denied.
3.3% of all applications, or 4.4% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans United Home Loans originated in Tennessee in 2025 was 6.56%, against a statewide median of 6.62%.
About this data. Figures are United Home Loans'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