Ruoff Mortgage Company in Tennessee vs the state
10.5%Denial rate-6.61 pts vs state
13.3%Decision denial rate-8.35 pts vs state
57.9%Origination rate-0.19 pts vs state
6.88%Median rate+0.25 pts vs state
0.45Rate spread (pts)+0.22 pts vs state
$84kMedian applicant income
11Loans originated
2Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 145 | 41 | 20.7% | 6.25% | #239 |
| 2024 | 120 | 31 | 23.3% | 6.50% | #272 |
| 2025 | 19 | 11 | 10.5% | 6.88% | #539 |
What Ruoff Mortgage Company lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most Ruoff Mortgage Company applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Tipton County | 4 | 3 | 0 | 0.0% |
| Davidson County | 3 | 2 | 1 | 33.3% |
| Rutherford County | 2 | 1 | 0 | 0.0% |
| Hamilton County | 1 | 1 | 0 | 0.0% |
| Campbell County | 1 | 1 | 0 | 0.0% |
| Blount County | 1 | 1 | 0 | 0.0% |
| Macon County | 1 | 0 | 0 | 0.0% |
| Smith County | 1 | 1 | 0 | 0.0% |
| Sumner County | 1 | 0 | 0 | 0.0% |
| Sullivan County | 1 | 0 | 1 | 100.0% |
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: 19 applications in 2025, of which 11 were originated and 2 denied.
10.5% of all applications, or 13.3% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans Ruoff Mortgage Company originated in Tennessee in 2025 was 6.88%, against a statewide median of 6.62%.
About this data. Figures are Ruoff Mortgage Company'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