Commercial Bank & Trust in Tennessee vs the state
9.3%Denial rate-7.87 pts vs state
9.9%Decision denial rate-11.75 pts vs state
82.8%Origination rate+24.70 pts vs state
—Median rate
—Rate spread (pts)
$120kMedian applicant income
375Loans originated
42Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 428 | 338 | 12.4% | — | #106 |
| 2024 | 451 | 365 | 10.6% | — | #110 |
| 2025 | 453 | 375 | 9.3% | — | #122 |
What Commercial Bank & Trust lends in Tennessee
By loan purpose
By loan type
Where in Tennessee
Counties with the most Commercial Bank & Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Shelby County | 113 | 100 | 11 | 9.7% |
| Obion County | 97 | 83 | 4 | 4.1% |
| Henry County | 88 | 66 | 17 | 19.3% |
| Madison County | 87 | 72 | 3 | 3.4% |
| Gibson County | 21 | 16 | 2 | 9.5% |
| Weakley County | 13 | 12 | 1 | 7.7% |
| Fayette County | 5 | 3 | 1 | 20.0% |
| Crockett County | 4 | 4 | 0 | 0.0% |
| Hardin County | 3 | 2 | 0 | 0.0% |
| Chester County | 3 | 2 | 0 | 0.0% |
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: 453 applications in 2025, of which 375 were originated and 42 denied.
9.3% of all applications, or 9.9% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Commercial Bank & Trust'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