United Shore Financial Services in Tennessee vs the state
10.9%Denial rate-6.22 pts vs state
12.8%Decision denial rate-8.84 pts vs state
72.2%Origination rate+14.10 pts vs state
6.12%Median rate-0.50 pts vs state
0.00Rate spread (pts)-0.23 pts vs state
$93kMedian applicant income
8,992Loans originated
1,361Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 6,979 | 5,199 | 10.7% | 6.50% | #4 |
| 2024 | 10,027 | 7,495 | 11.1% | 6.25% | #3 |
| 2025 | 12,458 | 8,992 | 10.9% | 6.12% | #2 |
What United Shore Financial Services lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most United Shore Financial Services applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Davidson County | 1,035 | 729 | 139 | 13.4% |
| Shelby County | 955 | 640 | 171 | 17.9% |
| Knox County | 912 | 691 | 74 | 8.1% |
| Montgomery County | 845 | 622 | 73 | 8.6% |
| Rutherford County | 664 | 475 | 70 | 10.5% |
| Williamson County | 606 | 453 | 65 | 10.7% |
| Sumner County | 602 | 459 | 60 | 10.0% |
| Hamilton County | 465 | 322 | 54 | 11.6% |
| Wilson County | 348 | 269 | 31 | 8.9% |
| Blount County | 340 | 258 | 34 | 10.0% |
Other large lenders in Tennessee
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 16,503 | 17.3% | 6.50% |
| 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% |
| Eastman Credit Union | D | 4,436 | 21.5% | 7.25% |
Frequently asked questions
Tennessee: 12,458 applications in 2025, of which 8,992 were originated and 1,361 denied.
10.9% of all applications, or 12.8% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans United Shore Financial Services originated in Tennessee in 2025 was 6.12%, against a statewide median of 6.62%.
About this data. Figures are United Shore Financial Services'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