Presidential Bank in Tennessee vs the state
8.3%Denial rate-8.88 pts vs state
9.4%Decision denial rate-12.30 pts vs state
78.9%Origination rate+20.82 pts vs state
6.63%Median rate0.00 pts vs state
0.21Rate spread (pts)-0.02 pts vs state
$110kMedian applicant income
86Loans originated
9Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 10 | 6 | 20.0% | 6.88% | #613 |
| 2024 | 18 | 13 | 5.6% | 6.25% | #533 |
| 2025 | 109 | 86 | 8.3% | 6.63% | #306 |
What Presidential Bank lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most Presidential Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Montgomery County | 28 | 24 | 4 | 14.3% |
| Hamilton County | 27 | 17 | 3 | 11.1% |
| Bradley County | 17 | 13 | 0 | 0.0% |
| Knox County | 6 | 5 | 0 | 0.0% |
| Monroe County | 5 | 4 | 0 | 0.0% |
| Williamson County | 4 | 2 | 1 | 25.0% |
| Blount County | 3 | 3 | 0 | 0.0% |
| Loudon County | 3 | 3 | 0 | 0.0% |
| Dickson County | 2 | 2 | 0 | 0.0% |
| Roane County | 2 | 2 | 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: 109 applications in 2025, of which 86 were originated and 9 denied.
8.3% of all applications, or 9.4% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans Presidential Bank originated in Tennessee in 2025 was 6.63%, against a statewide median of 6.62%.
About this data. Figures are Presidential 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