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SmartBank 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.
In Tennessee, SmartBank reported 768 applications and 585 originations for 2024, $174m in all.
Its denial rate in the state was 13.0%, below the Tennessee rate of 22.6% across all lenders and compared with the lender's national rate of 15.6%.
The median rate spread on its Tennessee originations was 0.4 percentage points (state median 0.3).
Applications in the state were up 19% on 2023.
Compared with the state and the lender's national record
| Measure | In Tennessee | Tennessee, all lenders | SmartBank, all states | United States |
|---|---|---|---|---|
| Denial rate | 13.0% | 22.6% | 15.6% | 24.3% |
| Median rate spread, pp | 0.4 | 0.3 | 0.4 | 0.3 |
| Originations with spread of 1.5 pp or more | 3.2% | 14.7% | 3.5% | 15.6% |
| Average originated loan | $297k | $302k | $345k | $329k |
| Home purchase share | 41.7% | 55.5% | 47.5% | 57.0% |
| FHA-insured share | 5.0% | 15.5% | 5.4% | 13.4% |
| VA-guaranteed share | 1.2% | 10.0% | 1.1% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateTennessee, all lenders
Loan purpose and loan type in Tennessee
By purpose
Home purchase 42% (244)Home improvement 14% (81)Refinancing 8% (45)Cash-out refinancing 6% (36)Other purpose 31% (179)
By type
Conventional 93% (544)FHA 5% (29)VA 1% (7)USDA 1% (5)
Denial reasons as coded
Share of 97 denials in Tennessee by first denial reason coded (outlined bar: all lenders in the state).
Counties in Tennessee
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Hamilton County | 110 | 83 | $46m | 7.5% |
| Knox County | 93 | 74 | $19m | 10.2% |
| Sevier County | 87 | 68 | $16m | 16.5% |
| Cumberland County | 72 | 54 | $10m | 18.6% |
| Bradley County | 57 | 43 | $9.2m | 7.0% |
| Blount County | 55 | 40 | $17m | 20.4% |
| Putnam County | 34 | 31 | $8.0m | 3.1% |
| Rutherford County | 36 | 26 | $6.5m | 8.6% |
| Fentress County | 28 | 20 | $2.4m | 18.5% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did SmartBank originate in Tennessee in 2024?
585 loans totalling $174m, from 768 applications reported for properties in Tennessee.
What is SmartBank's denial rate in Tennessee?
13.0% of decided applications in Tennessee were denied, against 22.6% for all lenders in the state and 15.6% 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 SmartBank lend in most?
By originations: Hamilton County (83), Knox County (74), Sevier County (68), Cumberland County (54), Bradley County (43).
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 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.