North American Savings Bank in Tennessee vs the state
15.8%Denial rate-1.35 pts vs state
20.0%Decision denial rate-1.68 pts vs state
63.2%Origination rate+5.08 pts vs state
6.75%Median rate+0.13 pts vs state
-0.18Rate spread (pts)-0.41 pts vs state
$168kMedian applicant income
12Loans originated
3Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 34 | 20 | 23.5% | 7.50% | #442 |
| 2024 | 27 | 23 | 7.4% | 7.00% | #481 |
| 2025 | 19 | 12 | 15.8% | 6.75% | #546 |
What North American Savings Bank lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most North American Savings Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Williamson County | 3 | 0 | 2 | 66.7% |
| Davidson County | 3 | 2 | 1 | 33.3% |
| Shelby County | 2 | 2 | 0 | 0.0% |
| Robertson County | 1 | 1 | 0 | 0.0% |
| Sumner County | 1 | 0 | 0 | 0.0% |
| Loudon County | 1 | 1 | 0 | 0.0% |
| Henry County | 1 | 1 | 0 | 0.0% |
| Knox County | 1 | 1 | 0 | 0.0% |
| Washington County | 1 | 0 | 0 | 0.0% |
| Sevier 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: 19 applications in 2025, of which 12 were originated and 3 denied.
15.8% of all applications, or 20.0% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans North American Savings Bank originated in Tennessee in 2025 was 6.75%, against a statewide median of 6.62%.
About this data. Figures are North American Savings 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