NVR Mortgage Finance in Tennessee vs the state
15.6%Denial rate-1.50 pts vs state
16.6%Decision denial rate-5.05 pts vs state
78.4%Origination rate+20.33 pts vs state
5.99%Median rate-0.63 pts vs state
-0.20Rate spread (pts)-0.43 pts vs state
$96kMedian applicant income
817Loans originated
163Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,022 | 801 | 15.1% | 5.75% | #61 |
| 2024 | 1,162 | 944 | 12.5% | 6.13% | #54 |
| 2025 | 1,042 | 817 | 15.6% | 5.99% | #62 |
What NVR Mortgage Finance lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most NVR Mortgage Finance applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Davidson County | 252 | 187 | 47 | 18.7% |
| Rutherford County | 243 | 192 | 34 | 14.0% |
| Sumner County | 176 | 129 | 38 | 21.6% |
| Robertson County | 116 | 95 | 15 | 12.9% |
| Maury County | 81 | 77 | 1 | 1.2% |
| Wilson County | 81 | 60 | 16 | 19.8% |
| Montgomery County | 65 | 52 | 12 | 18.5% |
| Williamson County | 28 | 25 | 0 | 0.0% |
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: 1,042 applications in 2025, of which 817 were originated and 163 denied.
15.6% of all applications, or 16.6% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans NVR Mortgage Finance originated in Tennessee in 2025 was 5.99%, against a statewide median of 6.62%.
About this data. Figures are NVR Mortgage Finance'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