Wings Financial Credit Union in Tennessee vs the state
9.7%Denial rate-7.46 pts vs state
10.3%Decision denial rate-11.34 pts vs state
80.7%Origination rate+22.57 pts vs state
7.25%Median rate+0.63 pts vs state
0.02Rate spread (pts)-0.21 pts vs state
$170kMedian applicant income
25Loans originated
3Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 45 | 27 | 17.8% | 7.38% | #403 |
| 2024 | 29 | 13 | 37.9% | 7.75% | #469 |
| 2025 | 31 | 25 | 9.7% | 7.25% | #475 |
What Wings Financial Credit Union lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most Wings Financial Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Shelby County | 9 | 6 | 1 | 11.1% |
| Williamson County | 3 | 2 | 0 | 0.0% |
| Montgomery County | 3 | 1 | 2 | 66.7% |
| Knox County | 3 | 3 | 0 | 0.0% |
| Fayette County | 2 | 2 | 0 | 0.0% |
| Hamilton County | 2 | 2 | 0 | 0.0% |
| Rutherford County | 2 | 2 | 0 | 0.0% |
| Davidson County | 2 | 2 | 0 | 0.0% |
| White County | 1 | 1 | 0 | 0.0% |
| Robertson County | 1 | 1 | 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: 31 applications in 2025, of which 25 were originated and 3 denied.
9.7% of all applications, or 10.3% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans Wings Financial Credit Union originated in Tennessee in 2025 was 7.25%, against a statewide median of 6.62%.
About this data. Figures are Wings Financial 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