Macon Bank and Trust in Tennessee vs the state
9.0%Denial rate-8.12 pts vs state
9.0%Decision denial rate-12.66 pts vs state
91.0%Origination rate+32.90 pts vs state
—Median rate
—Rate spread (pts)
$123kMedian applicant income
121Loans originated
12Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 104 | 95 | 7.7% | — | #287 |
| 2024 | 103 | 100 | 1.0% | — | #305 |
| 2025 | 133 | 121 | 9.0% | — | #275 |
What Macon Bank and Trust lends in Tennessee
By loan purpose
By loan type
Where in Tennessee
Counties with the most Macon Bank and Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Macon County | 99 | 93 | 6 | 6.1% |
| Clay County | 15 | 13 | 2 | 13.3% |
| Sumner County | 8 | 5 | 3 | 37.5% |
| Trousdale County | 4 | 3 | 1 | 25.0% |
| Wilson County | 2 | 2 | 0 | 0.0% |
| Smith County | 1 | 1 | 0 | 0.0% |
| Davidson County | 1 | 1 | 0 | 0.0% |
| Washington County | 1 | 1 | 0 | 0.0% |
| Jackson County | 1 | 1 | 0 | 0.0% |
| Putnam 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: 133 applications in 2025, of which 121 were originated and 12 denied.
9.0% of all applications, or 9.0% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Macon Bank and Trust'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