One Bank of Tennessee in Tennessee vs the state
3.9%Denial rate-13.29 pts vs state
3.9%Decision denial rate-17.80 pts vs state
94.6%Origination rate+36.50 pts vs state
6.95%Median rate+0.33 pts vs state
0.86Rate spread (pts)+0.63 pts vs state
$111kMedian applicant income
541Loans originated
22Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 631 | 592 | 2.5% | 7.75% | #90 |
| 2024 | 493 | 448 | 5.7% | 7.55% | #103 |
| 2025 | 572 | 541 | 3.9% | 6.95% | #102 |
What One Bank of Tennessee lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most One Bank of Tennessee applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Putnam County | 244 | 234 | 7 | 2.9% |
| Cumberland County | 83 | 77 | 4 | 4.8% |
| Overton County | 58 | 56 | 2 | 3.4% |
| White County | 37 | 33 | 3 | 8.1% |
| Fentress County | 32 | 32 | 0 | 0.0% |
| Morgan County | 30 | 27 | 2 | 6.7% |
| Scott County | 16 | 14 | 1 | 6.3% |
| Knox County | 10 | 10 | 0 | 0.0% |
| Roane County | 9 | 9 | 0 | 0.0% |
| Anderson County | 8 | 6 | 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: 572 applications in 2025, of which 541 were originated and 22 denied.
3.9% of all applications, or 3.9% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans One Bank of Tennessee originated in Tennessee in 2025 was 6.95%, against a statewide median of 6.62%.
About this data. Figures are One Bank of Tennessee'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