First Financial Bank in Tennessee vs the state
28.1%Denial rate+10.97 pts vs state
30.3%Decision denial rate+8.64 pts vs state
58.9%Origination rate+0.84 pts vs state
6.69%Median rate+0.06 pts vs state
0.24Rate spread (pts)+0.01 pts vs state
$90kMedian applicant income
218Loans originated
104Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 112 | 72 | 23.2% | 7.75% | #275 |
| 2024 | 156 | 87 | 25.0% | 7.50% | #239 |
| 2025 | 370 | 218 | 28.1% | 6.69% | #139 |
What First Financial Bank lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most First Financial Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Rhea County | 82 | 43 | 28 | 34.1% |
| Cheatham County | 38 | 28 | 7 | 18.4% |
| Hamilton County | 34 | 19 | 9 | 26.5% |
| Montgomery County | 21 | 14 | 7 | 33.3% |
| Davidson County | 20 | 13 | 3 | 15.0% |
| Obion County | 20 | 13 | 5 | 25.0% |
| Meigs County | 20 | 9 | 10 | 50.0% |
| Roane County | 18 | 8 | 7 | 38.9% |
| Bledsoe County | 15 | 8 | 7 | 46.7% |
| Knox County | 15 | 11 | 3 | 20.0% |
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: 370 applications in 2025, of which 218 were originated and 104 denied.
28.1% of all applications, or 30.3% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans First Financial Bank originated in Tennessee in 2025 was 6.69%, against a statewide median of 6.62%.
About this data. Figures are First Financial 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