Ross Mortgage in Tennessee vs the state
5.3%Denial rate-11.82 pts vs state
6.9%Decision denial rate-14.75 pts vs state
69.4%Origination rate+11.36 pts vs state
6.49%Median rate-0.13 pts vs state
0.26Rate spread (pts)+0.03 pts vs state
$88kMedian applicant income
209Loans originated
16Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 204 | 153 | 8.8% | 6.63% | #189 |
| 2024 | 260 | 187 | 5.0% | 6.63% | #166 |
| 2025 | 301 | 209 | 5.3% | 6.49% | #164 |
What Ross Mortgage lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most Ross Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Sullivan County | 64 | 43 | 4 | 6.3% |
| Washington County | 54 | 42 | 4 | 7.4% |
| Greene County | 32 | 17 | 1 | 3.1% |
| Hawkins County | 17 | 11 | 0 | 0.0% |
| Carter County | 14 | 11 | 0 | 0.0% |
| Hamblen County | 13 | 11 | 2 | 15.4% |
| Sumner County | 9 | 4 | 1 | 11.1% |
| Cocke County | 9 | 8 | 0 | 0.0% |
| Williamson County | 8 | 7 | 0 | 0.0% |
| Montgomery County | 8 | 7 | 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: 301 applications in 2025, of which 209 were originated and 16 denied.
5.3% of all applications, or 6.9% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans Ross Mortgage originated in Tennessee in 2025 was 6.49%, against a statewide median of 6.62%.
About this data. Figures are Ross 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