Provident Funding Associates in Tennessee vs the state
6.3%Denial rate-10.89 pts vs state
8.3%Decision denial rate-13.39 pts vs state
65.8%Origination rate+7.73 pts vs state
6.38%Median rate-0.25 pts vs state
-0.11Rate spread (pts)-0.34 pts vs state
$124kMedian applicant income
179Loans originated
17Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 228 | 129 | 8.8% | 6.50% | #172 |
| 2024 | 268 | 150 | 6.3% | 6.50% | #161 |
| 2025 | 272 | 179 | 6.3% | 6.38% | #174 |
What Provident Funding Associates lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most Provident Funding Associates applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Shelby County | 121 | 94 | 2 | 1.7% |
| Davidson County | 29 | 17 | 6 | 20.7% |
| Williamson County | 18 | 12 | 1 | 5.6% |
| Knox County | 16 | 9 | 3 | 18.8% |
| Rutherford County | 15 | 6 | 1 | 6.7% |
| Hamilton County | 14 | 6 | 1 | 7.1% |
| Sumner County | 8 | 7 | 0 | 0.0% |
| Wilson County | 7 | 4 | 1 | 14.3% |
| Fayette County | 6 | 3 | 0 | 0.0% |
| Putnam County | 3 | 1 | 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: 272 applications in 2025, of which 179 were originated and 17 denied.
6.3% of all applications, or 8.3% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans Provident Funding Associates originated in Tennessee in 2025 was 6.38%, against a statewide median of 6.62%.
About this data. Figures are Provident Funding Associates'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