Wilson Bank and Trust in Tennessee vs the state
11.4%Denial rate-5.72 pts vs state
12.7%Decision denial rate-8.96 pts vs state
69.1%Origination rate+11.03 pts vs state
7.04%Median rate+0.42 pts vs state
0.46Rate spread (pts)+0.23 pts vs state
$124kMedian applicant income
1,338Loans originated
221Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,160 | 1,553 | 9.5% | 7.69% | #27 |
| 2024 | 2,091 | 1,449 | 12.1% | 7.50% | #35 |
| 2025 | 1,936 | 1,338 | 11.4% | 7.04% | #39 |
What Wilson Bank and Trust lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most Wilson Bank and Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Wilson County | 522 | 366 | 47 | 9.0% |
| Davidson County | 377 | 264 | 40 | 10.6% |
| Rutherford County | 279 | 190 | 41 | 14.7% |
| Sumner County | 164 | 107 | 23 | 14.0% |
| Williamson County | 99 | 58 | 17 | 17.2% |
| DeKalb County | 74 | 49 | 13 | 17.6% |
| Smith County | 73 | 54 | 4 | 5.5% |
| Putnam County | 68 | 46 | 9 | 13.2% |
| Trousdale County | 61 | 50 | 4 | 6.6% |
| Hamilton County | 28 | 22 | 3 | 10.7% |
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: 1,936 applications in 2025, of which 1,338 were originated and 221 denied.
11.4% of all applications, or 12.7% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans Wilson Bank and Trust originated in Tennessee in 2025 was 7.04%, against a statewide median of 6.62%.
About this data. Figures are Wilson Bank and Trust'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