First National Bank of America in Tennessee vs the state
8.4%Denial rate-8.74 pts vs state
11.1%Decision denial rate-10.57 pts vs state
67.2%Origination rate+9.15 pts vs state
8.75%Median rate+2.13 pts vs state
2.63Rate spread (pts)+2.40 pts vs state
$86kMedian applicant income
80Loans originated
10Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 142 | 83 | 16.2% | 9.75% | #243 |
| 2024 | 144 | 102 | 8.3% | 9.38% | #250 |
| 2025 | 119 | 80 | 8.4% | 8.75% | #291 |
What First National Bank of America lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most First National Bank of America applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Davidson County | 16 | 14 | 1 | 6.3% |
| Shelby County | 13 | 10 | 1 | 7.7% |
| Rutherford County | 11 | 6 | 0 | 0.0% |
| Knox County | 9 | 6 | 0 | 0.0% |
| Hamilton County | 7 | 3 | 1 | 14.3% |
| Wilson County | 7 | 6 | 1 | 14.3% |
| Sevier County | 5 | 4 | 0 | 0.0% |
| Maury County | 5 | 4 | 0 | 0.0% |
| Montgomery County | 4 | 4 | 0 | 0.0% |
| Sumner County | 4 | 2 | 1 | 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: 119 applications in 2025, of which 80 were originated and 10 denied.
8.4% of all applications, or 11.1% 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 of America originated in Tennessee in 2025 was 8.75%, against a statewide median of 6.62%.
About this data. Figures are First National Bank of America'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