NBKC Bank in Tennessee vs the state
10.7%Denial rate-6.46 pts vs state
14.6%Decision denial rate-7.05 pts vs state
61.9%Origination rate+3.84 pts vs state
6.13%Median rate-0.50 pts vs state
-0.18Rate spread (pts)-0.41 pts vs state
$152kMedian applicant income
174Loans originated
30Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 249 | 151 | 8.8% | 6.38% | #158 |
| 2024 | 309 | 178 | 11.0% | 6.13% | #145 |
| 2025 | 281 | 174 | 10.7% | 6.13% | #168 |
What NBKC Bank lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most NBKC Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Davidson County | 43 | 26 | 4 | 9.3% |
| Knox County | 37 | 22 | 2 | 5.4% |
| Williamson County | 23 | 14 | 4 | 17.4% |
| Montgomery County | 19 | 16 | 1 | 5.3% |
| Hamilton County | 18 | 11 | 1 | 5.6% |
| Shelby County | 17 | 8 | 3 | 17.6% |
| Rutherford County | 13 | 10 | 2 | 15.4% |
| Wilson County | 11 | 10 | 0 | 0.0% |
| Sevier County | 8 | 3 | 2 | 25.0% |
| Washington County | 8 | 3 | 2 | 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: 281 applications in 2025, of which 174 were originated and 30 denied.
10.7% of all applications, or 14.6% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans NBKC Bank originated in Tennessee in 2025 was 6.13%, against a statewide median of 6.62%.
About this data. Figures are NBKC 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