United Northern Mortgage Bankers in Tennessee vs the state
2.7%Denial rate-14.47 pts vs state
3.6%Decision denial rate-18.04 pts vs state
70.7%Origination rate+12.59 pts vs state
6.13%Median rate-0.50 pts vs state
-0.09Rate spread (pts)-0.32 pts vs state
$124kMedian applicant income
53Loans originated
2Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 65 | 40 | 3.1% | 6.81% | #350 |
| 2024 | 32 | 21 | 3.1% | 6.63% | #454 |
| 2025 | 75 | 53 | 2.7% | 6.13% | #362 |
What United Northern Mortgage Bankers lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most United Northern Mortgage Bankers applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hamilton County | 63 | 47 | 2 | 3.2% |
| Davidson County | 3 | 1 | 0 | 0.0% |
| Dickson County | 2 | 0 | 0 | 0.0% |
| Humphreys County | 1 | 1 | 0 | 0.0% |
| Putnam County | 1 | 1 | 0 | 0.0% |
| Williamson County | 1 | 1 | 0 | 0.0% |
| White County | 1 | 0 | 0 | 0.0% |
| Wilson County | 1 | 0 | 0 | 0.0% |
| Bradley County | 1 | 1 | 0 | 0.0% |
| Sumner 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: 75 applications in 2025, of which 53 were originated and 2 denied.
2.7% of all applications, or 3.6% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans United Northern Mortgage Bankers originated in Tennessee in 2025 was 6.13%, against a statewide median of 6.62%.
About this data. Figures are United Northern Mortgage Bankers'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