Bell Bank in Tennessee vs the state
17.4%Denial rate+0.29 pts vs state
21.7%Decision denial rate+0.04 pts vs state
62.5%Origination rate+4.42 pts vs state
7.25%Median rate+0.63 pts vs state
0.69Rate spread (pts)+0.46 pts vs state
$130kMedian applicant income
190Loans originated
53Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 225 | 151 | 11.6% | 6.49% | #174 |
| 2024 | 236 | 140 | 15.7% | 6.88% | #178 |
| 2025 | 304 | 190 | 17.4% | 7.25% | #161 |
What Bell Bank lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most Bell Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Maury County | 20 | 16 | 2 | 10.0% |
| Marshall County | 16 | 9 | 3 | 18.8% |
| Williamson County | 16 | 11 | 2 | 12.5% |
| Davidson County | 15 | 8 | 5 | 33.3% |
| Bedford County | 12 | 7 | 4 | 33.3% |
| Wilson County | 10 | 6 | 2 | 20.0% |
| Sevier County | 9 | 8 | 0 | 0.0% |
| Coffee County | 8 | 6 | 1 | 12.5% |
| Rutherford County | 8 | 6 | 1 | 12.5% |
| Hickman County | 8 | 6 | 2 | 25.0% |
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: 304 applications in 2025, of which 190 were originated and 53 denied.
17.4% of all applications, or 21.7% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans Bell Bank originated in Tennessee in 2025 was 7.25%, against a statewide median of 6.62%.
About this data. Figures are Bell Bank'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