First National Bank in Tennessee vs the state
2.8%Denial rate-14.32 pts vs state
2.8%Decision denial rate-18.86 pts vs state
83.1%Origination rate+25.02 pts vs state
7.95%Median rate+1.33 pts vs state
1.73Rate spread (pts)+1.50 pts vs state
$111kMedian applicant income
59Loans originated
2Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 77 | 67 | 2.6% | 8.85% | #332 |
| 2024 | 75 | 67 | 1.3% | 8.75% | #339 |
| 2025 | 71 | 59 | 2.8% | 7.95% | #367 |
What First National Bank lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most First National Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Sumner County | 39 | 33 | 0 | 0.0% |
| Trousdale County | 10 | 7 | 2 | 20.0% |
| Robertson County | 7 | 7 | 0 | 0.0% |
| Davidson County | 4 | 3 | 0 | 0.0% |
| Macon County | 3 | 2 | 0 | 0.0% |
| Wilson County | 2 | 2 | 0 | 0.0% |
| Shelby County | 2 | 2 | 0 | 0.0% |
| Clay County | 1 | 1 | 0 | 0.0% |
| Tipton County | 1 | 1 | 0 | 0.0% |
| Montgomery County | 1 | 1 | 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: 71 applications in 2025, of which 59 were originated and 2 denied.
2.8% of all applications, or 2.8% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans First National Bank originated in Tennessee in 2025 was 7.95%, against a statewide median of 6.62%.
About this data. Figures are First National 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