First American Bank in Tennessee vs the state
56.3%Denial rate+39.11 pts vs state
60.0%Decision denial rate+38.32 pts vs state
37.5%Origination rate-20.58 pts vs state
7.25%Median rate+0.63 pts vs state
0.20Rate spread (pts)-0.03 pts vs state
$134kMedian applicant income
6Loans originated
9Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 14 | 7 | 35.7% | 7.74% | #561 |
| 2024 | 16 | 7 | 43.8% | 8.50% | #545 |
| 2025 | 16 | 6 | 56.3% | 7.25% | #572 |
What First American Bank lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most First American Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Williamson County | 4 | 3 | 1 | 25.0% |
| Cumberland County | 3 | 1 | 2 | 66.7% |
| Sumner County | 2 | 0 | 1 | 50.0% |
| Marshall County | 1 | 0 | 1 | 100.0% |
| Rutherford County | 1 | 0 | 1 | 100.0% |
| Davidson County | 1 | 1 | 0 | 0.0% |
| Cocke County | 1 | 0 | 1 | 100.0% |
| Loudon County | 1 | 1 | 0 | 0.0% |
| Claiborne County | 1 | 0 | 1 | 100.0% |
| Sevier County | 1 | 0 | 1 | 100.0% |
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: 16 applications in 2025, of which 6 were originated and 9 denied.
56.3% of all applications, or 60.0% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans First American Bank originated in Tennessee in 2025 was 7.25%, against a statewide median of 6.62%.
About this data. Figures are First American 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