TriStar Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
62nd7.0% deniedProcesswithdrawn + incomplete share, weight 15%
77th5.4%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 185 | 138 | 8.1% | 8.9% | — | $40M |
| 2024 | 176 | 133 | 7.4% | 7.8% | — | $42M |
| 2025 | 166 | 136 | 6.6% | 7.0% | — | $42M |
What TriStar Bank lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 8 manufactured homes, 20 investment properties.
Who gets approved at TriStar Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 52 | 44 | 4.1% |
| $100k – $150k | 48 | 41 | 2.2% |
| $150k – $250k | 23 | 20 | 4.8% |
| Over $250k | 20 | 12 | 22.2% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 23 | 20 | 0.0% |
| 35–44 | 39 | 29 | 5.6% |
| 45–54 | 38 | 33 | 5.6% |
| 55–64 | 26 | 18 | 23.1% |
Where TriStar Bank lends
2 states and 22 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Tennessee | 165 | 135 | 6.7% | — | #241 |
Frequently asked questions
TriStar Bank denied 7.0% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 62nd percentile of small mortgage lenders.
In 2025, 61% of its applications were for home purchases, 28% for refinancing (including cash-out), and 11% for home improvement or other purposes. By loan type: 89% conventional, 8% FHA, 1% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.