Volunteer State Bank in Tennessee vs the state
11.5%Denial rate-5.67 pts vs state
11.7%Decision denial rate-10.00 pts vs state
82.8%Origination rate+24.72 pts vs state
—Median rate
—Rate spread (pts)
$148kMedian applicant income
361Loans originated
50Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 560 | 442 | 11.4% | — | #93 |
| 2024 | 439 | 345 | 13.2% | — | #113 |
| 2025 | 436 | 361 | 11.5% | — | #125 |
What Volunteer State Bank lends in Tennessee
By loan purpose
By loan type
Where in Tennessee
Counties with the most Volunteer State Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Sumner County | 149 | 122 | 19 | 12.8% |
| Davidson County | 87 | 73 | 9 | 10.3% |
| Williamson County | 71 | 62 | 4 | 5.6% |
| Robertson County | 40 | 29 | 9 | 22.5% |
| Rutherford County | 33 | 29 | 2 | 6.1% |
| Wilson County | 29 | 24 | 3 | 10.3% |
| Maury County | 7 | 6 | 1 | 14.3% |
| Dickson County | 3 | 3 | 0 | 0.0% |
| Coffee County | 3 | 1 | 1 | 33.3% |
| Marshall County | 3 | 2 | 1 | 33.3% |
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: 436 applications in 2025, of which 361 were originated and 50 denied.
11.5% of all applications, or 11.7% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Volunteer State 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