Name of the lender

AdvantageFirst Lending Inc in TennesseeMortgage rates, total loan costs and denial rate for homes in Tennessee, 2025

HMDA year2025

StateTennessee

Head office: Lake Forest, CA
Reporting agency: Department of Housing and Urban Development (HUD)
Legal Entity Identifier (LEI)

All states of this lender

AdvantageFirst Lending Inc reported 518 applications for homes in Tennessee in the HMDA data of 2025.

It originated 199 loans in the state in 2025, for $59.1 million in total.

The median interest rate of these loans in 2025 was 6.125%, and the median of all lenders in Tennessee was 6.375%.

The median total loan costs in 2025 were $18,156, and the state median was $6,537.

It denied 30.7% of the applications that it decided in the state in 2025, and the state denial rate was 21.7%.

Filed figures of AdvantageFirst Lending Inc in Tennessee, 2025
Figure	In TN	Lender, all states	TN, all lenders
Applications	518	12,186	303,477
Loans originated	199	4,137	176,247
Median interest rate	6.125%	6.125%	6.375%
Median total loan costs	$18,156	$18,448	$6,537
Denial rate	30.7%	34.9%	21.7%

HMDA data are generally not used alone to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions.
The words of the Consumer Financial Protection Bureau (CFPB). Source: Consumer Financial Protection Bureau, Summary of 2023 Data on Mortgage Lending (11 July 2024), copied on 2 Oct 2026. The figures on this page are from the HMDA data of 2025, the snapshot dataset.

PricingMedians of 2025 loans in TN

Pricing medians of AdvantageFirst Lending Inc in Tennessee, 2025Each value has the median of all lenders in Tennessee under it.
Loans	Loans in the medians	Interest rate	Total loan costs	Origination charges	Discount points, of the loans with points	Lender credits, of the loans with credits	Rate spread, points
All loans in TN	198	6.125%TN 6.375%	$18,156TN $6,537	$12,166TN $2,562	$10,046TN $2,999	$13TN $300	0.430TN 0.169

Medians are for originated closed-end loans with a first lien. Reverse mortgages, open-end lines of credit and loans for a business purpose are not in the medians. A median needs 20 loans.

The median rate spread was 0.430 percentage points above the average prime offer rate. On a loan of $300,000, that is about $1,290 more a year, or $108 more a month.

The dollar amount is a simple interest approximation: the rate spread times the full loan amount for one year. The balance of a loan decreases with each payment, and an APR includes some fees, so the amount for a real loan is different.

Action taken and loan types

Records in Tennessee by the action taken
Action taken	Records	Share
1Loan originated	199	38.4%
2Application approved but not accepted	0	0.0%
3Application denied	88	17.0%
4Application withdrawn by applicant	218	42.1%
5File closed for incompleteness	13	2.5%
6Purchased loan	0	0.0%
7Preapproval request denied	0	0.0%
8Preapproval request approved but not accepted	0	0.0%

Applications in Tennessee by loan type
Loan type	Applications	Loans originated	Denial rate
Conventional	75	26	23.5%
FHA-insured	274	102	34.6%
VA-guaranteed	169	71	26.8%

Counties in Tennessee

Counties of AdvantageFirst Lending Inc in Tennessee with 25 applications or more, 2025In order of the names.
County	Applications	Loans originated	Amount	Denial rate
Davidson County	52	19	$6.0 million	34.5%
Knox County	37	16	$4.8 million	n/a
Montgomery County	39	13	$3.7 million	n/a
Rutherford County	42	16	$5.3 million	38.5%
Shelby County	37	14	$3.9 million	n/a
Sumner County	29	7	$2.4 million	n/a

Figures by year

AdvantageFirst Lending Inc in Tennessee by HMDA year"n/a" shows a year with fewer than 25 applications in the state.
Year	Applications	Loans originated	Amount	Median interest rate	Median total loan costs	Denial rate
2025	518	199	$59.1 million	6.125%	$18,156	30.7%
2024	n/a	n/a	n/a	n/a	n/a	n/a
2023	n/a	n/a	n/a	n/a	n/a	n/a
2022	n/a	n/a	n/a	n/a	n/a	n/a

Official channelsLinks checked 2 Oct 2026

HMDA Data Browser (FFIEC and CFPB)The HMDA records of this lender in this state, with a CSV download.
Submit a complaint (Consumer Financial Protection Bureau)The CFPB form for a complaint about a mortgage or a lender.

Cite this page

Page: Lender Register, "AdvantageFirst Lending Inc in Tennessee, 2025", https://lenderregister.com/lender/254900m2c4q6datp2889-advantagefirst-lending-inc/tn/
Source: Federal Financial Institutions Examination Council and Consumer Financial Protection Bureau, Home Mortgage Disclosure Act data, 2025
Data date: HMDA year 2025. Page made 2 Oct 2026.

Provenance

The figures come from the public HMDA loan/application register of 2022 to 2025. They are the records of this LEI for homes in Tennessee. This site withholds a figure with fewer than 25 applications. Method of the figures. Terms. Report an error.

Questions

What share of the loans of AdvantageFirst Lending Inc were in Tennessee in 2025?: 199 of its loans originated, out of 4,137 in all states. That is 4.8%.
In which counties of Tennessee did AdvantageFirst Lending Inc originate the most loans in 2025?: The three with the most loans were Davidson County (19), Knox County (16) and Rutherford County (16).
Which loan types did AdvantageFirst Lending Inc originate in Tennessee in 2025?: 26 conventional, 102 FHA and 71 VA.
What share of the applications in Tennessee did AdvantageFirst Lending Inc report in 2025?: 0.2%: 518 out of 303,477 applications of all lenders in the state.