Valon Mortgage in Tennessee vs the state
12.8%Denial rate-4.30 pts vs state
14.1%Decision denial rate-7.61 pts vs state
64.9%Origination rate+6.78 pts vs state
9.10%Median rate+2.48 pts vs state
3.13Rate spread (pts)+2.90 pts vs state
$108kMedian applicant income
96Loans originated
19Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 20 | 13 | 20.0% | 6.63% | #520 |
| 2025 | 148 | 96 | 12.8% | 9.10% | #264 |
What Valon Mortgage lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most Valon Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Knox County | 25 | 16 | 2 | 8.0% |
| Davidson County | 14 | 8 | 1 | 7.1% |
| Hamilton County | 13 | 5 | 2 | 15.4% |
| Williamson County | 10 | 5 | 3 | 30.0% |
| Sumner County | 9 | 9 | 0 | 0.0% |
| Sullivan County | 5 | 3 | 1 | 20.0% |
| Cumberland County | 5 | 4 | 0 | 0.0% |
| Rutherford County | 5 | 5 | 0 | 0.0% |
| Wilson County | 5 | 3 | 2 | 40.0% |
| Sevier County | 5 | 3 | 1 | 20.0% |
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: 148 applications in 2025, of which 96 were originated and 19 denied.
12.8% of all applications, or 14.1% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans Valon Mortgage originated in Tennessee in 2025 was 9.10%, against a statewide median of 6.62%.
About this data. Figures are Valon Mortgage'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