Andrew Johnson Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
47th10.5% deniedProcesswithdrawn + incomplete share, weight 15%
42nd13.4%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 230 | 167 | 10.4% | 12.2% | 7.59% | $55M |
| 2024 | 206 | 153 | 9.2% | 10.8% | 8.00% | $42M |
| 2025 | 231 | 170 | 9.1% | 10.5% | 7.25% | $58M |
What Andrew Johnson Bank lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 13 manufactured homes, 84 investment properties.
Who gets approved at Andrew Johnson Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 23 | 8 | 40.0% |
| $50k – $100k | 54 | 39 | 18.0% |
| $100k – $150k | 52 | 43 | 0.0% |
| $150k – $250k | 44 | 31 | 2.9% |
| Over $250k | 39 | 33 | 5.7% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 41 | 30 | 18.4% |
| 35–44 | 38 | 27 | 9.4% |
| 45–54 | 46 | 36 | 7.1% |
| 55–64 | 54 | 40 | 11.1% |
Where Andrew Johnson Bank lends
6 states and 30 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Tennessee | 221 | 162 | 9.5% | 7.25% | #202 |
Frequently asked questions
Andrew Johnson Bank denied 10.5% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 47th percentile of small mortgage lenders.
The median interest rate on loans Andrew Johnson Bank originated in 2025 was 7.25%, and its median rate spread over the average prime offer rate was 0.00 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 75% of its applications were for home purchases, 18% for refinancing (including cash-out), and 6% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.