Tennessee’s FHA denial rate in 2025 was 20.3% across 36,601 decisioned applications — ranking #39 of 52 states. Among high-volume lenders, the lowest observed denial rate was Cmg Mortgage Inc at 4.4%; the highest was Amerisave Mortgage Company at 78.5%. The institutional spread inside Tennessee is 17.8×: the same FHA application faces a 4.4% observed denial rate at one high-volume door and 78.5% at another — two real endpoints of the federal record, same state, same program. Source: complete CFPB HMDA 2025 federal record.
Cells require 100+ decisioned applications. Sorted softest first. Observed rates — not endorsements.
| Lender | Tennessee FHA apps | Denial rate |
|---|---|---|
| Cmg Mortgage Inc | 1,169 | 4.4% |
| Mortgage Investors Group | 1,053 | 6.9% |
| First Community Mortgage, Inc. | 1,068 | 8.7% |
| Crosscountry Mortgage, LLC | 668 | 9.6% |
| Freedom Mortgage Corporation | 1,542 | 16.8% |
| Dhi Mortgage Company, Ltd. | 778 | 17.5% |
| United Wholesale Mortgage | 3,067 | 18.5% |
| Pennymac Loan Services LLC | 1,196 | 20.5% |
| New American Funding, LLC. | 714 | 22.4% |
| Rocket Mortgage | 3,147 | 27.3% |
| Loandepot.Com LLC | 985 | 35.5% |
| Lakeview Loan Servicing, LLC | 702 | 47.0% |
| Newrez LLC | 542 | 48.9% |
| Carrington Mortgage Services LLC | 556 | 53.6% |
| Amerisave Mortgage Company | 890 | 78.5% |
Applications under $150K were denied 37.1% of the time versus 15.8% for loans of $250K+ — a 2.3× penalty on the smallest loans. National context: the small-loan penalty.
The Home Mortgage Disclosure Act requires every U.S. mortgage lender to report every application — outcome, amount, and denial reason — to federal regulators annually. It is government-verified, covers all lenders equally, and cannot be gamed. These tables are processed directly from that record.
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