Bank of Bartlett at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B grade breaks down
Each component is a percentile rank among 412 home-equity (HELOC) lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
9th40.8% deniedPricingmedian rate spread over APOR, weight 30%
85th-1.08 ptsProcesswithdrawn + incomplete share, weight 15%
90th4.3%Closing coststotal loan costs ÷ loan amount, weight 10%
75th2.16% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 923 | 527 | 20.9% | 23.8% | — | $100M |
| 2024 | 788 | 413 | 29.6% | 31.6% | — | $78M |
| 2025 | 604 | 275 | 39.1% | 40.8% | 6.99% | $54M |
What Bank of Bartlett 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: 390 home-equity lines, 0 reverse mortgages, 1 manufactured homes, 145 investment properties.
Why Bank of Bartlett denies applications
Primary reason reported for each of the 236 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Bank of Bartlett
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 82 | 17 | 66.3% |
| $50k – $100k | 181 | 85 | 44.6% |
| $100k – $150k | 115 | 58 | 32.4% |
| $150k – $250k | 88 | 48 | 28.6% |
| Over $250k | 83 | 48 | 28.6% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 53 | 28 | 43.4% |
| 35–44 | 154 | 59 | 50.0% |
| 45–54 | 130 | 57 | 41.9% |
| 55–64 | 111 | 57 | 29.5% |
| 65–74 | 73 | 37 | 37.7% |
| Over 74 | 34 | 18 | 28.1% |
Where Bank of Bartlett lends
8 states and 27 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Tennessee | 526 | 242 | 39.4% | 6.93% | #109 |
| Mississippi | 65 | 26 | 41.5% | 7.00% | #155 |
Frequently asked questions
Bank of Bartlett denied 40.8% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 9th percentile of home-equity (HELOC) lenders.
The most common reason Bank of Bartlett gave in 2025 was "debt-to-income ratio", cited on 60.6% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Bank of Bartlett originated in 2025 was 6.99%, and its median rate spread over the average prime offer rate was -1.08 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 39% of its applications were for home purchases, 23% for refinancing (including cash-out), and 38% 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.