University Bank in Tennessee vs the state
6.9%Denial rate-10.24 pts vs state
8.3%Decision denial rate-13.35 pts vs state
75.9%Origination rate+17.78 pts vs state
6.38%Median rate-0.25 pts vs state
0.34Rate spread (pts)+0.11 pts vs state
$190kMedian applicant income
44Loans originated
4Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 79 | 64 | 1.3% | 7.63% | #329 |
| 2024 | 53 | 43 | 3.8% | 7.50% | #388 |
| 2025 | 58 | 44 | 6.9% | 6.38% | #393 |
What University Bank lends in Tennessee
By loan purpose
By loan type
Where in Tennessee
Counties with the most University Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Sumner County | 9 | 8 | 0 | 0.0% |
| Davidson County | 8 | 5 | 0 | 0.0% |
| Knox County | 6 | 5 | 0 | 0.0% |
| Williamson County | 5 | 5 | 0 | 0.0% |
| Robertson County | 3 | 3 | 0 | 0.0% |
| Maury County | 3 | 2 | 0 | 0.0% |
| Hamilton County | 3 | 2 | 0 | 0.0% |
| Sevier County | 3 | 1 | 1 | 33.3% |
| Loudon County | 2 | 1 | 1 | 50.0% |
| Fayette 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 44 were originated and 4 denied.
6.9% of all applications, or 8.3% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans University Bank originated in Tennessee in 2025 was 6.38%, against a statewide median of 6.62%.
About this data. Figures are University 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