Usalliance Federal Credit Union in Tennessee vs the state
25.0%Denial rate+7.86 pts vs state
26.8%Decision denial rate+5.15 pts vs state
65.9%Origination rate+7.83 pts vs state
8.25%Median rate+1.63 pts vs state
1.27Rate spread (pts)+1.04 pts vs state
$184kMedian applicant income
29Loans originated
11Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 16 | 9 | 12.5% | 9.00% | #533 |
| 2024 | 25 | 17 | 12.0% | 9.75% | #488 |
| 2025 | 44 | 29 | 25.0% | 8.25% | #429 |
What Usalliance Federal Credit Union lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most Usalliance Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Davidson County | 9 | 7 | 1 | 11.1% |
| Knox County | 6 | 5 | 0 | 0.0% |
| Rutherford County | 5 | 4 | 1 | 20.0% |
| Williamson County | 4 | 3 | 0 | 0.0% |
| Morgan County | 2 | 1 | 1 | 50.0% |
| Cumberland County | 2 | 1 | 1 | 50.0% |
| Trousdale County | 1 | 0 | 1 | 100.0% |
| Robertson County | 1 | 0 | 1 | 100.0% |
| White County | 1 | 0 | 0 | 0.0% |
| Cocke 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: 44 applications in 2025, of which 29 were originated and 11 denied.
25.0% of all applications, or 26.8% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans Usalliance Federal Credit Union originated in Tennessee in 2025 was 8.25%, against a statewide median of 6.62%.
About this data. Figures are Usalliance 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