Hometown Equity Mortgage in Tennessee vs the state
38.4%Denial rate+21.24 pts vs state
39.4%Decision denial rate+17.67 pts vs state
53.2%Origination rate-4.91 pts vs state
7.25%Median rate+0.63 pts vs state
0.65Rate spread (pts)+0.42 pts vs state
$97kMedian applicant income
151Loans originated
109Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 166 | 86 | 34.3% | 8.06% | #212 |
| 2024 | 170 | 87 | 44.1% | 7.50% | #228 |
| 2025 | 284 | 151 | 38.4% | 7.25% | #167 |
What Hometown Equity Mortgage lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most Hometown Equity Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Sevier County | 65 | 40 | 13 | 20.0% |
| Shelby County | 59 | 27 | 31 | 52.5% |
| Davidson County | 40 | 20 | 17 | 42.5% |
| Knox County | 22 | 15 | 2 | 9.1% |
| Montgomery County | 14 | 10 | 4 | 28.6% |
| Williamson County | 14 | 5 | 8 | 57.1% |
| Cocke County | 7 | 7 | 0 | 0.0% |
| Hamilton County | 6 | 5 | 1 | 16.7% |
| Giles County | 5 | 0 | 5 | 100.0% |
| Rutherford County | 5 | 3 | 2 | 40.0% |
Other large lenders in Tennessee
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 16,503 | 17.3% | 6.50% |
| United Shore Financial Services | B | 12,458 | 10.9% | 6.12% |
| Regions Bank | C | 11,247 | 36.5% | 4.99% |
| Vanderbilt Mortgage and Finance | F | 9,649 | 35.8% | 8.75% |
| Mortgage Research Center | C | 6,568 | 17.3% | 6.25% |
| FirstBank | C | 5,677 | 14.5% | 6.88% |
| CMG Mortgage | A | 5,643 | 2.9% | 6.50% |
| Freedom Mortgage | B | 5,493 | 8.0% | 6.25% |
| Pennymac Loan Services | C | 5,331 | 11.2% | 6.00% |
| Mortgage Investors Group | B | 4,454 | 3.5% | 6.50% |
Frequently asked questions
Tennessee: 284 applications in 2025, of which 151 were originated and 109 denied.
38.4% of all applications, or 39.4% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans Hometown Equity Mortgage originated in Tennessee in 2025 was 7.25%, against a statewide median of 6.62%.
About this data. Figures are Hometown Equity Mortgage's own HMDA filing for properties located in Tennessee, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology