F&M Bank in Tennessee vs the state
15.2%Denial rate-1.90 pts vs state
15.5%Decision denial rate-6.15 pts vs state
78.2%Origination rate+20.12 pts vs state
7.15%Median rate+0.53 pts vs state
0.28Rate spread (pts)+0.05 pts vs state
$150kMedian applicant income
513Loans originated
100Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,431 | 1,109 | 11.7% | 7.50% | #43 |
| 2024 | 787 | 577 | 15.3% | 8.00% | #75 |
| 2025 | 656 | 513 | 15.2% | 7.15% | #91 |
What F&M Bank lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most F&M Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Montgomery County | 216 | 174 | 29 | 13.4% |
| Davidson County | 79 | 53 | 17 | 21.5% |
| Robertson County | 78 | 65 | 8 | 10.3% |
| Sumner County | 75 | 61 | 10 | 13.3% |
| Williamson County | 54 | 41 | 10 | 18.5% |
| Stewart County | 49 | 39 | 6 | 12.2% |
| Wilson County | 28 | 25 | 2 | 7.1% |
| Cheatham County | 19 | 17 | 2 | 10.5% |
| Rutherford County | 18 | 10 | 5 | 27.8% |
| Dickson County | 16 | 11 | 4 | 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: 656 applications in 2025, of which 513 were originated and 100 denied.
15.2% of all applications, or 15.5% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans F&M Bank originated in Tennessee in 2025 was 7.15%, against a statewide median of 6.62%.
About this data. Figures are F&M 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