Willamette Valley Bank in Tennessee vs the state
57.1%Denial rate+40.00 pts vs state
80.0%Decision denial rate+58.32 pts vs state
14.3%Origination rate-43.79 pts vs state
6.13%Median rate-0.50 pts vs state
0.23Rate spread (pts)-0.01 pts vs state
$70kMedian applicant income
1Loans originated
4Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 23 | 9 | 8.7% | 7.13% | #497 |
| 2024 | 6 | 3 | 0.0% | 6.75% | #710 |
| 2025 | 7 | 1 | 57.1% | 6.13% | #676 |
What Willamette Valley Bank lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most Willamette Valley Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Madison County | 3 | 0 | 2 | 66.7% |
| Davidson County | 1 | 0 | 1 | 100.0% |
| Giles County | 1 | 0 | 1 | 100.0% |
| Tipton County | 1 | 1 | 0 | 0.0% |
| Cumberland County | 1 | 0 | 0 | 0.0% |
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: 7 applications in 2025, of which 1 were originated and 4 denied.
57.1% of all applications, or 80.0% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans Willamette Valley Bank originated in Tennessee in 2025 was 6.13%, against a statewide median of 6.62%.
About this data. Figures are Willamette Valley 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