Patriot Bank in Tennessee vs the state
7.5%Denial rate-9.64 pts vs state
8.6%Decision denial rate-13.11 pts vs state
79.0%Origination rate+20.91 pts vs state
6.13%Median rate-0.50 pts vs state
-0.10Rate spread (pts)-0.33 pts vs state
$100kMedian applicant income
421Loans originated
40Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 727 | 558 | 9.4% | 6.25% | #82 |
| 2024 | 783 | 567 | 15.1% | 6.13% | #76 |
| 2025 | 533 | 421 | 7.5% | 6.13% | #107 |
What Patriot Bank lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most Patriot Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Shelby County | 368 | 287 | 26 | 7.1% |
| Tipton County | 115 | 101 | 9 | 7.8% |
| Fayette County | 30 | 19 | 2 | 6.7% |
| Lauderdale County | 3 | 2 | 0 | 0.0% |
| Madison County | 2 | 1 | 1 | 50.0% |
| Henry County | 2 | 1 | 1 | 50.0% |
| Hardin County | 2 | 1 | 0 | 0.0% |
| Hardeman County | 2 | 1 | 1 | 50.0% |
| Bradley County | 1 | 1 | 0 | 0.0% |
| Crockett 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: 533 applications in 2025, of which 421 were originated and 40 denied.
7.5% of all applications, or 8.6% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans Patriot Bank originated in Tennessee in 2025 was 6.13%, against a statewide median of 6.62%.
About this data. Figures are Patriot 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