The Central Trust Bank in Tennessee vs the state
3.0%Denial rate-14.11 pts vs state
7.1%Decision denial rate-14.54 pts vs state
39.4%Origination rate-18.69 pts vs state
5.99%Median rate-0.63 pts vs state
-0.28Rate spread (pts)-0.51 pts vs state
$148kMedian applicant income
13Loans originated
1Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 168 | 72 | 4.8% | 6.00% | #210 |
| 2024 | 37 | 17 | 21.6% | 6.63% | #431 |
| 2025 | 33 | 13 | 3.0% | 5.99% | #467 |
What The Central Trust Bank lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most The Central Trust Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Davidson County | 6 | 3 | 1 | 16.7% |
| Washington County | 5 | 2 | 0 | 0.0% |
| Williamson County | 4 | 2 | 0 | 0.0% |
| Hamilton County | 3 | 1 | 0 | 0.0% |
| Greene County | 3 | 0 | 0 | 0.0% |
| Sumner County | 3 | 1 | 0 | 0.0% |
| Marion County | 1 | 1 | 0 | 0.0% |
| Sevier County | 1 | 0 | 0 | 0.0% |
| Blount County | 1 | 0 | 0 | 0.0% |
| Wilson County | 1 | 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: 33 applications in 2025, of which 13 were originated and 1 denied.
3.0% of all applications, or 7.1% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans The Central Trust Bank originated in Tennessee in 2025 was 5.99%, against a statewide median of 6.62%.
About this data. Figures are The Central Trust 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