US COMMUNITY
US COMMUNITY received 104 applications in 2025 and made 35 mortgages, in 16 counties across 1 state. The median rate its borrowers got was 6.875% on a median loan of $205,000. Of 76 decisions, 27 were denials — 35.5%, most often for debt-to-income ratio. 4 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 549300KB8NXVYD7BGS97 |
|---|---|
| Applications received | 104 |
| Mortgages made | 35 |
| Denied | 27 |
| Approved, not taken up | 14 |
| Withdrawn or incomplete | 28 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.4135 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 14 | 6.813% | $245,000 | 25.0% |
| Refinancing | 4 | Under 10 loans | Under 10 loans | 41.7% |
| Cash-out refinancing | 9 | Under 10 loans | Under 10 loans | 47.4% |
| Other purposes | 8 | Under 10 loans | Under 10 loans | 38.5% |
Where US COMMUNITY lends most
The 16 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Davidson County, TN | 14 | 6.808% | 35.3% |
| Wilson County, TN | 8 | Under 10 loans | 42.9% |
| Cheatham County, TN | 3 | Under 10 loans | 42.9% |
| Rutherford County, TN | 2 | Under 10 loans | 40.0% |
| Sumner County, TN | 2 | Under 10 loans | 0.0% |
| Cocke County, TN | 1 | Under 10 loans | 0.0% |
| Montgomery County, TN | 1 | Under 10 loans | 0.0% |
| Putnam County, TN | 1 | Under 10 loans | 0.0% |
| Robertson County, TN | 1 | Under 10 loans | 50.0% |
| Smith County, TN | 1 | Under 10 loans | 0.0% |
| Williamson County, TN | 1 | Under 10 loans | 0.0% |
| DeKalb County, TN | 0 | Under 10 loans | 100.0% |
| Dickson County, TN | 0 | Under 10 loans | Not published |
| Franklin County, TN | 0 | Under 10 loans | 100.0% |
| Madison County, TN | 0 | Under 10 loans | 100.0% |
| Marshall County, TN | 0 | Under 10 loans | 0.0% |
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When US COMMUNITY’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.