Lenders › Volunteer State Bank › Tennessee
Volunteer State Bank in Tennessee
HMDA record for properties in Tennessee, calendar year 2024. National record · Tennessee overview
HMDA data alone cannot be used 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. Cells under 25 applications are withheld.
Volunteer State Bank's 2024 HMDA record for Tennessee covers 439 applications, 345 of them originated, worth $109m.
Its denial rate in the state was 13.8%, below the Tennessee rate of 22.6% across all lenders and compared with the lender's national rate of 13.8%.
Applications in the state were down 22% on 2023.
Compared with the state and the lender's national record
| Measure | In Tennessee | Tennessee, all lenders | Volunteer State Bank, all states | United States |
|---|---|---|---|---|
| Denial rate | 13.8% | 22.6% | 13.8% | 24.3% |
| Median rate spread, pp | — | 0.3 | — | 0.3 |
| Originations with spread of 1.5 pp or more | — | 14.7% | — | 15.6% |
| Average originated loan | $315k | $302k | $316k | $329k |
| Home purchase share | 15.1% | 55.5% | 15.4% | 57.0% |
| FHA-insured share | 0.0% | 15.5% | 0.0% | 13.4% |
| VA-guaranteed share | 0.0% | 10.0% | 0.0% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateTennessee, all lenders
Loan purpose and loan type in Tennessee
By purpose
Home purchase 15% (52)Home improvement 33% (113)Refinancing 36% (123)Other purpose 17% (57)
By type
Conventional 100% (345)
Denial reasons as coded
Share of 58 denials in Tennessee by first denial reason coded (outlined bar: all lenders in the state).
Counties in Tennessee
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Sumner County | 175 | 136 | $38m | 16.2% |
| Davidson County | 75 | 62 | $26m | 7.0% |
| Rutherford County | 64 | 53 | $19m | 9.4% |
| Robertson County | 45 | 36 | $3.7m | 15.6% |
| Wilson County | 34 | 21 | $8.2m | 20.0% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Volunteer State Bank originate in Tennessee in 2024?
345 loans totalling $109m, from 439 applications reported for properties in Tennessee.
What is Volunteer State Bank's denial rate in Tennessee?
13.8% of decided applications in Tennessee were denied, against 22.6% for all lenders in the state and 13.8% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Tennessee counties does Volunteer State Bank lend in most?
By originations: Sumner County (136), Davidson County (62), Rutherford County (53), Robertson County (36), Wilson County (21).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Tennessee. Built 1 Oct 2026; data through 1 Aug 2026. See methodology and corrections.