The First National Bank of Oneida in Tennessee vs the state
11.4%Denial rate-5.75 pts vs state
11.9%Decision denial rate-9.82 pts vs state
79.2%Origination rate+21.13 pts vs state
—Median rate
—Rate spread (pts)
$97kMedian applicant income
160Loans originated
23Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 152 | 122 | 7.2% | — | #230 |
| 2024 | 134 | 108 | 6.7% | — | #260 |
| 2025 | 202 | 160 | 11.4% | — | #213 |
What The First National Bank of Oneida 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 Oneida applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Scott County | 143 | 113 | 17 | 11.9% |
| Campbell County | 18 | 16 | 2 | 11.1% |
| Knox County | 15 | 14 | 0 | 0.0% |
| Morgan County | 8 | 4 | 2 | 25.0% |
| Anderson County | 7 | 5 | 0 | 0.0% |
| Loudon County | 5 | 5 | 0 | 0.0% |
| Fentress County | 2 | 1 | 1 | 50.0% |
| Greene County | 1 | 1 | 0 | 0.0% |
| Sevier County | 1 | 1 | 0 | 0.0% |
| Cumberland 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: 202 applications in 2025, of which 160 were originated and 23 denied.
11.4% of all applications, or 11.9% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are The First National Bank of Oneida'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