Volunteer State 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%
42nd11.8% deniedProcesswithdrawn + incomplete share, weight 15%
90th1.8%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 572 | 453 | 11.2% | 11.6% | — | $135M |
| 2024 | 447 | 351 | 13.2% | 13.8% | — | $111M |
| 2025 | 442 | 366 | 11.5% | 11.8% | — | $148M |
What Volunteer State 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, 10 manufactured homes, 124 investment properties.
Who gets approved at Volunteer State Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 28 | 24 | 10.7% |
| $50k – $100k | 65 | 44 | 23.8% |
| $100k – $150k | 92 | 73 | 14.3% |
| $150k – $250k | 85 | 72 | 9.8% |
| Over $250k | 94 | 80 | 10.8% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 33 | 25 | 15.6% |
| 35–44 | 87 | 70 | 14.1% |
| 45–54 | 103 | 74 | 21.8% |
| 55–64 | 76 | 66 | 10.5% |
| 65–74 | 47 | 41 | 6.7% |
| Over 74 | 21 | 19 | 4.8% |
Where Volunteer State Bank lends
4 states and 21 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Tennessee | 436 | 361 | 11.5% | — | #125 |
Frequently asked questions
Volunteer State Bank denied 11.8% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 42nd percentile of small mortgage lenders.
In 2025, 21% of its applications were for home purchases, 30% for refinancing (including cash-out), and 49% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% 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.