First National Bank of Pennsylvania in Tennessee vs the state
23.1%Denial rate+5.94 pts vs state
27.3%Decision denial rate+5.59 pts vs state
61.5%Origination rate+3.46 pts vs state
6.69%Median rate+0.06 pts vs state
0.33Rate spread (pts)+0.10 pts vs state
$221kMedian applicant income
8Loans originated
3Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 54 | 47 | 9.3% | 6.25% | #381 |
| 2024 | 61 | 44 | 11.5% | 6.56% | #365 |
| 2025 | 13 | 8 | 23.1% | 6.69% | #599 |
What First National Bank of Pennsylvania 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 Pennsylvania applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Shelby County | 2 | 1 | 0 | 0.0% |
| Davidson County | 2 | 2 | 0 | 0.0% |
| Blount County | 2 | 1 | 1 | 50.0% |
| Rutherford County | 1 | 1 | 0 | 0.0% |
| Putnam County | 1 | 1 | 0 | 0.0% |
| Loudon County | 1 | 0 | 1 | 100.0% |
| White County | 1 | 1 | 0 | 0.0% |
| Sumner County | 1 | 0 | 1 | 100.0% |
| Sevier County | 1 | 1 | 0 | 0.0% |
| Hamilton County | 1 | 0 | 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: 13 applications in 2025, of which 8 were originated and 3 denied.
23.1% of all applications, or 27.3% 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 Pennsylvania originated in Tennessee in 2025 was 6.69%, against a statewide median of 6.62%.
About this data. Figures are First National Bank of Pennsylvania'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