CB&S Bank in Tennessee vs the state
13.3%Denial rate-3.81 pts vs state
15.1%Decision denial rate-6.56 pts vs state
72.1%Origination rate+14.04 pts vs state
6.99%Median rate+0.37 pts vs state
0.41Rate spread (pts)+0.18 pts vs state
$88kMedian applicant income
238Loans originated
44Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 257 | 183 | 14.4% | 6.99% | #154 |
| 2024 | 301 | 217 | 14.3% | 7.50% | #146 |
| 2025 | 330 | 238 | 13.3% | 6.99% | #154 |
What CB&S Bank lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most CB&S Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| McNairy County | 58 | 49 | 3 | 5.2% |
| Decatur County | 34 | 26 | 3 | 8.8% |
| Lincoln County | 33 | 27 | 3 | 9.1% |
| Giles County | 30 | 23 | 2 | 6.7% |
| Marshall County | 26 | 15 | 6 | 23.1% |
| Hardeman County | 25 | 14 | 8 | 32.0% |
| Hardin County | 24 | 16 | 3 | 12.5% |
| Rutherford County | 19 | 14 | 3 | 15.8% |
| Lewis County | 16 | 9 | 4 | 25.0% |
| Williamson County | 12 | 8 | 2 | 16.7% |
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: 330 applications in 2025, of which 238 were originated and 44 denied.
13.3% of all applications, or 15.1% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans CB&S Bank originated in Tennessee in 2025 was 6.99%, against a statewide median of 6.62%.
About this data. Figures are CB&S 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