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Tennessee Trust Mortgage, Inc.

Pleasant View, TN

Tennessee Trust Mortgage, Inc. processed 52 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 36 loans with a 7.7% denial rate. Home Purchase was the primary loan purpose. Based in Pleasant View, TN. The approval rate of 69.2% reflects originated loans as a share of all applications.

Why approval and denial rates diverge. Approval (origination) rate and denial rate do not sum to 100% - HMDA records several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. Tennessee Trust Mortgage, Inc.'s 69.2% origination rate tells you how often an application turned into funded money; the 7.7% denial rate is a separate read on underwriting strictness. The most frequently cited denial reasons in this file were Credit history, Other, which together explain the majority of rejections. Most activity concentrated in Conventional loans (29 applications).

How to read this page. These figures are aggregate HMDA disclosures, they describe this lender's overall 2024 book, not your individual odds. Approval and denial rates are shaped by the applicant mix a lender actually receives: credit profile, loan-to-value, debt-to-income, property type, and geography. A lower denial rate at one lender versus another does not necessarily mean easier underwriting, it often reflects borrower self-selection and loan-product specialization. This page is informational data reporting, not financial, legal, or mortgage advice. Compare multiple lenders, read your Loan Estimate carefully, and consult a licensed mortgage professional before applying. Data reflects 2024 disclosures published by the CFPB in 2025.

52
Applications
36
Originated
7.7%
Denial Rate
$270,000
Avg Loan Amount
Avg Interest Rate: 6.737% Avg Applicant Income: $37,000

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 29 23 2 $278,793
FHA 15 10 1 $260,333
USDA 6 3 1 $256,667
VA 2 0 0 $255,000

Top loan types - Tennessee Trust Mortgage, Inc.

Top loan types - Tennessee Trust Mortgage, Inc. Horizontal bar chart of the top 4 items by value (applications). Top loan types - Tennessee Trust Mortgage, Inc. Top 4 1. Conventional 29 2. FHA 15 3. USDA 6 4. VA 2 Top 5 loan types by application volume at Tennessee Trust Mortgage, Inc. (HMDA 2024). Source: CFPB HMDA loan/application register.

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2024 LAR, application-level mortgage data for Tennessee Trust Mortgage, Inc. (LEI: 549300BIIOTBIZJPS834) · 2024 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.

Denial Analysis

Credit history
3
Other
1

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Home Purchase 33 20 $296,212
Cash-out Refinancing 16 14 $238,125
Refinancing 3 2 $151,667

Geographic Coverage — Lending by Race

Derived race categories as reported under HMDA. Source: CFPB.

Race Applications Approval Rate Denial Rate
White * 49 69.4% 8.2%
Asian * 2 50.0% 0.0%
Black or African American * 1 100.0% 0.0%

* Fewer than 50 applications -- percentages for this group have wide statistical uncertainty and should not be read as precise.

Lending by Ethnicity

Hispanic/Latino is an ethnicity, not a race. Shown separately per U.S. Census Bureau standards.

Ethnicity Applications Approval Rate Denial Rate
Not Hispanic or Latino 52 69.2% 7.7%

Nearby Lenders in TN

Other HMDA-reporting lenders in TN with similar activity. Compare any two side-by-side.

21st Mortgage

KNOXVILLE, TN

173,573 apps 30,274 originated 44.1% denied

Vanderbilt Mortgage and Finance, INC

MARYVILLE, TN

124,520 apps 20,306 originated 42.7% denied

FIRSTBANK

LEXINGTON, TN

21,086 apps 6,413 originated 43.2% denied

First Community Mortgage

MURFREESBORO, TN

13,521 apps 10,523 originated 6.2% denied

First Horizon Bank

MEMPHIS, TN

13,326 apps 7,808 originated 21.7% denied
Compare Tennessee Trust Mortgage, Inc. vs 21st Mortgage →

Mortgage Lending Guides

Frequently Asked Questions

How many mortgage applications did Tennessee Trust Mortgage, Inc. process?
Tennessee Trust Mortgage, Inc. processed 52 mortgage applications in the 2024 HMDA reporting year. Of these, 36 were originated (approved and funded), and 4 were denied.
What is Tennessee Trust Mortgage, Inc.'s mortgage approval rate?
Tennessee Trust Mortgage, Inc. has an approval (origination) rate of 69.2%, meaning 69.2% of all applications resulted in a funded mortgage. The denial rate is 7.7%.
What is the average loan amount at Tennessee Trust Mortgage, Inc.?
The average mortgage loan amount at Tennessee Trust Mortgage, Inc. is $270,000. The average interest rate is 6.737%. The average applicant income is $37,000.
What are the most common reasons for mortgage denial at Tennessee Trust Mortgage, Inc.?
The most common reasons for mortgage denial at Tennessee Trust Mortgage, Inc. are: Credit history, Other. In total, 4 applications were denied out of 52 total applications.
What types of mortgage loans does Tennessee Trust Mortgage, Inc. offer?
Tennessee Trust Mortgage, Inc. processes Conventional, FHA, USDA, VA loans. The most common type is Conventional with 29 applications and an average loan amount of $278,793.
What loan purposes does Tennessee Trust Mortgage, Inc. serve?
Tennessee Trust Mortgage, Inc. serves the following loan purposes: Home Purchase (33 applications), Cash-out Refinancing (16 applications), Refinancing (3 applications). Home Purchase is the most common purpose.
Where is Tennessee Trust Mortgage, Inc. located?
Tennessee Trust Mortgage, Inc. is headquartered in Pleasant View, TN. The lender is identified by LEI 549300BIIOTBIZJPS834 in HMDA data.
How does Tennessee Trust Mortgage, Inc. compare in lending across racial demographics?
Tennessee Trust Mortgage, Inc. reports demographic lending data under HMDA requirements. White applicants have an approval rate of 69.4% and denial rate of 8.2%; Asian applicants have an approval rate of 50.0% and denial rate of 0.0%; Black or African American applicants have an approval rate of 100.0% and denial rate of 0.0%. This data reflects derived race categories as reported by applicants.

Data Sources

Data as of 2024. Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 Snapshot.

Data from FFIEC / CFPB HMDA 2024 Snapshot National Loan-Level Dataset. Demographic data reflects derived categories as reported by applicants. Denial rates include all application outcomes. This data is provided for informational purposes only.

Read our methodology - how this data is sourced, computed, and verified.

Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.