Lender in Tennessee · HMDA 2025
Rate mortgages in Tennessee
Rate's 2025 home-purchase and refinance lending in Tennessee, compared with all lenders in the state.
Rate originated 1,480 owner-occupied single-family loans in Tennessee from 1,578 completed applications, making it the state's #14 lender by volume.
Its median conventional purchase loan costs were $6,140 versus $5,320 for all Tennessee lenders, at a median 30-year fixed rate of 6.575% (Tennessee: 6.624%).
Loans in TN
1,480
of 1,578 applications
Denial rate
4.1%
Purchase · TN 7.7%
Rate spread
+0.17 pts
Conv. · TN +0.11 pts
Loan amount
$335,000
Purchase · TN $325,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 1,347 | 1,286 | 4.1% | 6.575% | +0.17 pts | $6,140 | $335,000 |
| Refinance | 116 | 109 | 4.3% | 6.350% | +0.02 pts | $5,090 | $425,000 |
| Cash-out refinance | 115 | 85 | 26.1% | 6.750% | +0.34 pts | $5,410 | $305,000 |
*Conventional loans only; medians with at least 20 loans.
Tennessee counties where Rate ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Montgomery County | 3 | 417 | 7.0% |
| Stewart County | 4 | 11 | 5.1% |
| Shelby County | 6 | 230 | 2.8% |
| Houston County | 6 | 8 | 5.8% |
| Davidson County | 8 | 243 | 2.4% |
| Williamson County | 8 | 106 | 2.2% |
| Fayette County | 13 | 17 | 2.0% |
| Tipton County | 14 | 15 | 1.7% |
| Haywood County | 14 | 3 | 1.9% |
| Hickman County | 15 | 6 | 1.7% |
| Cheatham County | 16 | 11 | 1.3% |
| Macon County | 18 | 6 | 1.5% |
| Weakley County | 18 | 4 | 1.2% |
| Robertson County | 20 | 17 | 1.0% |
| Giles County | 21 | 5 | 1.0% |
| Anderson County | 23 | 12 | 1.0% |
| Dickson County | 23 | 10 | 0.9% |
| Benton County | 25 | 2 | 0.9% |
| Unicoi County | 25 | 2 | 0.9% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology