Republic Bank & Trust in Tennessee vs the state
8.2%Denial rate-8.94 pts vs state
12.6%Decision denial rate-9.09 pts vs state
54.6%Origination rate-3.51 pts vs state
5.99%Median rate-0.63 pts vs state
-1.16Rate spread (pts)-1.39 pts vs state
$115kMedian applicant income
233Loans originated
35Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 457 | 243 | 5.0% | 4.99% | #100 |
| 2024 | 395 | 225 | 11.1% | 6.99% | #121 |
| 2025 | 427 | 233 | 8.2% | 5.99% | #126 |
What Republic Bank & Trust lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most Republic Bank & Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Davidson County | 136 | 74 | 12 | 8.8% |
| Williamson County | 91 | 58 | 6 | 6.6% |
| Rutherford County | 74 | 44 | 7 | 9.5% |
| Sumner County | 34 | 14 | 2 | 5.9% |
| Maury County | 19 | 12 | 2 | 10.5% |
| Wilson County | 19 | 11 | 0 | 0.0% |
| Robertson County | 9 | 1 | 1 | 11.1% |
| Dickson County | 8 | 4 | 1 | 12.5% |
| Shelby County | 5 | 4 | 1 | 20.0% |
| Macon County | 4 | 0 | 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: 427 applications in 2025, of which 233 were originated and 35 denied.
8.2% of all applications, or 12.6% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans Republic Bank & Trust originated in Tennessee in 2025 was 5.99%, against a statewide median of 6.62%.
About this data. Figures are Republic Bank & Trust'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