The First National Bank of Middle Tennessee in Tennessee vs the state
9.7%Denial rate-7.43 pts vs state
11.3%Decision denial rate-10.39 pts vs state
76.0%Origination rate+17.94 pts vs state
6.50%Median rate-0.12 pts vs state
0.21Rate spread (pts)-0.02 pts vs state
$91kMedian applicant income
501Loans originated
64Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 395 | 318 | 10.6% | 6.75% | #110 |
| 2024 | 562 | 455 | 9.6% | 6.50% | #95 |
| 2025 | 659 | 501 | 9.7% | 6.50% | #90 |
What The First National Bank of Middle Tennessee lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most The First National Bank of Middle Tennessee applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Rutherford County | 162 | 131 | 9 | 5.6% |
| Warren County | 93 | 60 | 14 | 15.1% |
| Bedford County | 59 | 44 | 6 | 10.2% |
| Davidson County | 45 | 32 | 6 | 13.3% |
| DeKalb County | 44 | 36 | 6 | 13.6% |
| Cannon County | 23 | 21 | 2 | 8.7% |
| Coffee County | 21 | 18 | 1 | 4.8% |
| Williamson County | 20 | 17 | 2 | 10.0% |
| Wilson County | 19 | 14 | 1 | 5.3% |
| Hickman County | 17 | 13 | 1 | 5.9% |
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: 659 applications in 2025, of which 501 were originated and 64 denied.
9.7% of all applications, or 11.3% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans The First National Bank of Middle Tennessee originated in Tennessee in 2025 was 6.50%, against a statewide median of 6.62%.
About this data. Figures are The First National Bank of Middle Tennessee'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