V.i.p. Mortgage in Tennessee vs the state
4.2%Denial rate-12.97 pts vs state
5.1%Decision denial rate-16.61 pts vs state
77.4%Origination rate+19.30 pts vs state
6.49%Median rate-0.13 pts vs state
0.09Rate spread (pts)-0.14 pts vs state
$142kMedian applicant income
130Loans originated
7Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 16 | 10 | 0.0% | 6.87% | #540 |
| 2024 | 51 | 41 | 3.9% | 6.50% | #394 |
| 2025 | 168 | 130 | 4.2% | 6.49% | #237 |
What V.i.p. Mortgage lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most V.i.p. Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Wilson County | 60 | 45 | 4 | 6.7% |
| Davidson County | 50 | 38 | 1 | 2.0% |
| Sumner County | 35 | 31 | 0 | 0.0% |
| Rutherford County | 4 | 3 | 0 | 0.0% |
| Hamilton County | 3 | 3 | 0 | 0.0% |
| Shelby County | 2 | 1 | 1 | 50.0% |
| Van Buren County | 2 | 2 | 0 | 0.0% |
| Williamson County | 2 | 2 | 0 | 0.0% |
| Roane County | 1 | 1 | 0 | 0.0% |
| Meigs 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: 168 applications in 2025, of which 130 were originated and 7 denied.
4.2% of all applications, or 5.1% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans V.i.p. Mortgage originated in Tennessee in 2025 was 6.49%, against a statewide median of 6.62%.
About this data. Figures are V.i.p. 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