Prosperity Home Mortgage in Tennessee vs the state
11.8%Denial rate-5.38 pts vs state
16.2%Decision denial rate-5.46 pts vs state
60.3%Origination rate+2.21 pts vs state
6.13%Median rate-0.50 pts vs state
0.04Rate spread (pts)-0.19 pts vs state
$84kMedian applicant income
123Loans originated
24Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 139 | 59 | 24.5% | 6.63% | #245 |
| 2024 | 168 | 87 | 23.8% | 6.38% | #230 |
| 2025 | 204 | 123 | 11.8% | 6.13% | #210 |
What Prosperity Home Mortgage lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most Prosperity Home Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Shelby County | 27 | 18 | 3 | 11.1% |
| Montgomery County | 21 | 12 | 3 | 14.3% |
| Knox County | 20 | 10 | 5 | 25.0% |
| Davidson County | 16 | 6 | 2 | 12.5% |
| Sullivan County | 9 | 5 | 1 | 11.1% |
| Hamilton County | 8 | 5 | 1 | 12.5% |
| Williamson County | 7 | 5 | 0 | 0.0% |
| Rutherford County | 6 | 2 | 1 | 16.7% |
| Washington County | 6 | 2 | 0 | 0.0% |
| Sevier County | 5 | 4 | 1 | 20.0% |
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: 204 applications in 2025, of which 123 were originated and 24 denied.
11.8% of all applications, or 16.2% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans Prosperity Home Mortgage originated in Tennessee in 2025 was 6.13%, against a statewide median of 6.62%.
About this data. Figures are Prosperity Home 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