Name of the lender

Tennessee State Bank in TennesseeMortgage rates, total loan costs and denial rate for homes in Tennessee, 2025

HMDA year2025

Head office: Pigeon Forge, TN
Reporting agency: Federal Reserve System (FRS)
Legal Entity Identifier (LEI)

Tennessee State Bank reported 111 applications for homes in Tennessee in the HMDA data of 2025.

It originated 53 loans in the state in 2025, for $16.7 million in total.

The lender filed the interest rate as “Exempt” for all of its 53 loans originated in the state in 2025. This page shows no median interest rate.

This page shows no median total loan costs for Tennessee, because fewer than 20 loans report the amount.

It denied 36.1% of the applications that it decided in the state in 2025, and the state denial rate was 21.7%.

Filed figures of Tennessee State Bank in Tennessee, 2025
Figure	In TN	Lender, all states	TN, all lenders
Applications	111	112	303,477
Loans originated	53	53	176,247
Median interest rate	n/a	n/a	6.375%
Median total loan costs	n/a	n/a	$6,537
Denial rate	36.1%	36.1%	21.7%

HMDA data are generally not used alone to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions.
The words of the Consumer Financial Protection Bureau (CFPB). Source: Consumer Financial Protection Bureau, Summary of 2023 Data on Mortgage Lending (11 July 2024), copied on 2 Oct 2026. The figures on this page are from the HMDA data of 2025, the snapshot dataset.

PricingMedians of 2025 loans in TN

Median interest rate in TNExempt

The lender filed the interest rate as “Exempt” for all of its 53 loans originated in 2025.

A lender with a partial exemption can file “Exempt” in place of the interest rate, the total loan costs and some other fields. The glossary has the rule.

If a financial institution is eligible for a partial exemption for a specific transaction, then the financial institution is not required to collect, record, or report certain data points for the transaction.
Source: CFPB, A Beginner’s Guide to Accessing and Using Home Mortgage Disclosure Act Data (June 2022), copied on 2 Oct 2026.

Medians are for originated closed-end loans with a first lien. Reverse mortgages, open-end lines of credit and loans for a business purpose are not in the medians. A median needs 20 loans.

Action taken and loan types

Records in Tennessee by the action taken
Action taken	Records	Share
1Loan originated	53	47.7%
2Application approved but not accepted	0	0.0%
3Application denied	30	27.0%
4Application withdrawn by applicant	19	17.1%
5File closed for incompleteness	9	8.1%
6Purchased loan	0	0.0%
7Preapproval request denied	0	0.0%
8Preapproval request approved but not accepted	0	0.0%

Applications in Tennessee by loan type
Loan type	Applications	Loans originated	Denial rate
Conventional	111	53	36.1%

Counties in Tennessee

Counties of Tennessee State Bank in Tennessee with 25 applications or more, 2025In order of the names.
County	Applications	Loans originated	Amount	Denial rate
Sevier County	71	30	$9.6 million	40.0%

Figures by year

Tennessee State Bank in Tennessee by HMDA year"n/a" shows a year with fewer than 25 applications in the state.
Year	Applications	Loans originated	Amount	Median interest rate	Median total loan costs	Denial rate
2025	111	53	$16.7 million	n/a	n/a	36.1%
2024	96	55	$18.1 million	n/a	n/a	32.1%
2023	156	76	$32.6 million	n/a	n/a	34.1%
2022	305	170	$75.1 million	n/a	n/a	23.3%

Official channelsLinks checked 2 Oct 2026

HMDA Data Browser (FFIEC and CFPB)The HMDA records of this lender in this state, with a CSV download.
Submit a complaint (Consumer Financial Protection Bureau)The CFPB form for a complaint about a mortgage or a lender.
BankFind Suite (Federal Deposit Insurance Corporation)The FDIC search for an insured bank: its status, its offices and its regulator.

Cite this page

Page: Lender Register, "Tennessee State Bank in Tennessee: mortgage rates, 2025", https://lenderregister.com/lender/549300eeyvcfg0v6z057-tennessee-state-bank/tn/
Source: Federal Financial Institutions Examination Council and Consumer Financial Protection Bureau, Home Mortgage Disclosure Act data, 2025
Data date: HMDA year 2025. Page made 2 Oct 2026.

Provenance

The figures come from the public HMDA loan/application register of 2022 to 2025. They are the records of this LEI for homes in Tennessee. This site withholds a figure with fewer than 25 applications. Method of the figures. Terms. Report an error.

Questions

What share of the loans of Tennessee State Bank were in Tennessee in 2025?: 53 of its loans originated, out of 53 in all states. That is 100.0%.
In which counties of Tennessee did Tennessee State Bank originate the most loans in 2025?: Only one county has 50 applications or more of the lender: Sevier County, with 30 loans originated.
Which loan types did Tennessee State Bank originate in Tennessee in 2025?: All its loans in the state were of one type: 53 conventional.
How did the applications of Tennessee State Bank in Tennessee change from 2022 to 2025?: It reported 305 applications in 2022 and 111 in 2025.