United Trust Bank in Tennessee vs the state
13.8%Denial rate-3.35 pts vs state
14.0%Decision denial rate-7.64 pts vs state
84.5%Origination rate+26.40 pts vs state
6.50%Median rate-0.12 pts vs state
0.41Rate spread (pts)+0.18 pts vs state
$75kMedian applicant income
49Loans originated
8Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 10 | 9 | 10.0% | 6.63% | #608 |
| 2025 | 58 | 49 | 13.8% | 6.50% | #388 |
What United Trust Bank lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most United Trust Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Knox County | 6 | 4 | 1 | 16.7% |
| Montgomery County | 5 | 4 | 1 | 20.0% |
| Sullivan County | 5 | 4 | 1 | 20.0% |
| Shelby County | 5 | 5 | 0 | 0.0% |
| Sumner County | 3 | 3 | 0 | 0.0% |
| Hamilton County | 3 | 2 | 1 | 33.3% |
| Haywood County | 2 | 2 | 0 | 0.0% |
| Tipton County | 2 | 2 | 0 | 0.0% |
| Hamblen County | 2 | 1 | 1 | 50.0% |
| Rutherford County | 2 | 2 | 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: 58 applications in 2025, of which 49 were originated and 8 denied.
13.8% of all applications, or 14.0% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans United Trust Bank originated in Tennessee in 2025 was 6.50%, against a statewide median of 6.62%.
About this data. Figures are United Trust 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