Studio Bank in Tennessee vs the state
2.2%Denial rate-14.92 pts vs state
2.9%Decision denial rate-18.79 pts vs state
72.9%Origination rate+14.81 pts vs state
6.61%Median rate-0.01 pts vs state
0.03Rate spread (pts)-0.20 pts vs state
$194kMedian applicant income
164Loans originated
5Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 219 | 160 | 3.7% | 6.75% | #178 |
| 2024 | 224 | 151 | 10.7% | 6.88% | #182 |
| 2025 | 225 | 164 | 2.2% | 6.61% | #200 |
What Studio Bank lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most Studio Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Davidson County | 115 | 78 | 4 | 3.5% |
| Williamson County | 35 | 28 | 0 | 0.0% |
| Sumner County | 22 | 17 | 1 | 4.5% |
| Wilson County | 9 | 6 | 0 | 0.0% |
| Hamilton County | 8 | 8 | 0 | 0.0% |
| Rutherford County | 7 | 5 | 0 | 0.0% |
| Knox County | 3 | 3 | 0 | 0.0% |
| Cheatham County | 3 | 2 | 0 | 0.0% |
| Maury County | 3 | 3 | 0 | 0.0% |
| Shelby County | 3 | 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: 225 applications in 2025, of which 164 were originated and 5 denied.
2.2% of all applications, or 2.9% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans Studio Bank originated in Tennessee in 2025 was 6.61%, against a statewide median of 6.62%.
About this data. Figures are Studio 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