Bank of Tennessee in Tennessee vs the state
14.7%Denial rate-2.40 pts vs state
17.9%Decision denial rate-3.76 pts vs state
62.8%Origination rate+4.67 pts vs state
6.75%Median rate+0.13 pts vs state
0.27Rate spread (pts)+0.04 pts vs state
$102kMedian applicant income
315Loans originated
74Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 777 | 565 | 11.1% | 6.99% | #76 |
| 2024 | 759 | 503 | 12.0% | 6.82% | #78 |
| 2025 | 502 | 315 | 14.7% | 6.75% | #116 |
What Bank of Tennessee lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most Bank of Tennessee applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Carter County | 96 | 56 | 20 | 20.8% |
| Washington County | 87 | 48 | 14 | 16.1% |
| Sullivan County | 86 | 59 | 11 | 12.8% |
| Davidson County | 48 | 29 | 9 | 18.8% |
| Knox County | 34 | 26 | 2 | 5.9% |
| Williamson County | 26 | 17 | 4 | 15.4% |
| Unicoi County | 24 | 12 | 4 | 16.7% |
| Sumner County | 17 | 11 | 1 | 5.9% |
| Wilson County | 10 | 9 | 0 | 0.0% |
| Greene County | 8 | 6 | 1 | 12.5% |
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: 502 applications in 2025, of which 315 were originated and 74 denied.
14.7% of all applications, or 17.9% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans Bank of Tennessee originated in Tennessee in 2025 was 6.75%, against a statewide median of 6.62%.
About this data. Figures are Bank of Tennessee'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