UNIVERSITY Federal Credit Union in Tennessee vs the state
4.0%Denial rate-13.14 pts vs state
5.0%Decision denial rate-16.68 pts vs state
76.0%Origination rate+17.92 pts vs state
6.50%Median rate-0.12 pts vs state
0.55Rate spread (pts)+0.32 pts vs state
$369kMedian applicant income
19Loans originated
1Denied
What UNIVERSITY Federal Credit Union lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most UNIVERSITY Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Sevier County | 23 | 19 | 0 | 0.0% |
| Bradley County | 1 | 0 | 0 | 0.0% |
| Shelby County | 1 | 0 | 1 | 100.0% |
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: 25 applications in 2025, of which 19 were originated and 1 denied.
4.0% of all applications, or 5.0% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans UNIVERSITY Federal Credit Union originated in Tennessee in 2025 was 6.50%, against a statewide median of 6.62%.
About this data. Figures are UNIVERSITY Federal Credit Union'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