Lenders › Firstbank › Tennessee
Firstbank 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.
Firstbank's 2024 HMDA record for Tennessee covers 5,594 applications, 3,572 of them originated, worth $1.1bn.
Its denial rate in the state was 19.5%, below the Tennessee rate of 22.6% across all lenders and compared with the lender's national rate of 48.7%.
The median rate spread on its Tennessee originations was 0.3 percentage points (state median 0.3).
Applications in the state were up 5% on 2023.
Compared with the state and the lender's national record
| Measure | In Tennessee | Tennessee, all lenders | Firstbank, all states | United States |
|---|---|---|---|---|
| Denial rate | 19.5% | 22.6% | 48.7% | 24.3% |
| Median rate spread, pp | 0.3 | 0.3 | 0.3 | 0.3 |
| Originations with spread of 1.5 pp or more | 9.9% | 14.7% | 15.9% | 15.6% |
| Average originated loan | $315k | $302k | $281k | $329k |
| Home purchase share | 61.1% | 55.5% | 72.3% | 57.0% |
| FHA-insured share | 9.2% | 15.5% | 11.2% | 13.4% |
| VA-guaranteed share | 2.7% | 10.0% | 4.1% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateTennessee, all lenders
Loan purpose and loan type in Tennessee
By purpose
Home purchase 61% (2,182)Home improvement 1% (48)Refinancing 9% (309)Cash-out refinancing 5% (174)Other purpose 24% (859)
By type
Conventional 87% (3,107)FHA 9% (329)VA 3% (98)USDA 1% (38)
Denial reasons as coded
Share of 946 denials in Tennessee by first denial reason coded (outlined bar: all lenders in the state).
Counties in Tennessee
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Davidson County | 554 | 414 | $202m | 8.9% |
| Hamilton County | 544 | 403 | $128m | 5.9% |
| Williamson County | 429 | 338 | $187m | 4.2% |
| Rutherford County | 419 | 320 | $101m | 10.2% |
| Henderson County | 184 | 122 | $17m | 14.1% |
| Maury County | 126 | 100 | $54m | 6.5% |
| Dickson County | 149 | 97 | $24m | 19.4% |
| Knox County | 173 | 95 | $37m | 29.1% |
| Henry County | 120 | 78 | $11m | 13.4% |
| Coffee County | 102 | 75 | $21m | 11.1% |
| Putnam County | 104 | 73 | $18m | 19.4% |
| Sumner County | 109 | 67 | $21m | 19.5% |
| Carroll County | 86 | 65 | $6.8m | 9.2% |
| Humphreys County | 85 | 64 | $10m | 15.6% |
| Bedford County | 80 | 63 | $14m | 8.6% |
| Jefferson County | 107 | 62 | $14m | 27.8% |
| Madison County | 92 | 62 | $10m | 20.5% |
| Wilson County | 91 | 62 | $22m | 16.5% |
| DeKalb County | 78 | 60 | $11m | 12.3% |
| Franklin County | 69 | 54 | $13m | 8.2% |
| Bradley County | 105 | 52 | $12m | 34.4% |
| Shelby County | 70 | 52 | $13m | 13.1% |
| Cumberland County | 86 | 50 | $7.8m | 22.8% |
| Hickman County | 64 | 45 | $9.6m | 15.5% |
| Benton County | 51 | 38 | $5.8m | 19.1% |
| Lincoln County | 45 | 36 | $6.8m | 7.3% |
| Marion County | 46 | 32 | $8.6m | 10.5% |
| Robertson County | 39 | 31 | $9.2m | 3.1% |
| White County | 56 | 27 | $8.5m | 29.2% |
| Decatur County | 46 | 26 | $3.1m | 34.1% |
| Chester County | 47 | 25 | $3.1m | 20.5% |
| Cheatham County | 46 | 24 | $8.7m | 25.0% |
| Rhea County | 36 | 24 | $3.5m | 22.2% |
| Montgomery County | 42 | 23 | $5.4m | 14.3% |
| Marshall County | 27 | 20 | $6.6m | — |
| Lawrence County | 30 | 19 | $4.2m | — |
| Perry County | 28 | 19 | $4.8m | — |
| Anderson County | 55 | 17 | $1.8m | 44.2% |
| Gibson County | 35 | 17 | $3.2m | 30.0% |
| Cannon County | 30 | 17 | $3.9m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Firstbank originate in Tennessee in 2024?
3,572 loans totalling $1.1bn, from 5,594 applications reported for properties in Tennessee.
What is Firstbank's denial rate in Tennessee?
19.5% of decided applications in Tennessee were denied, against 22.6% for all lenders in the state and 48.7% 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 Firstbank lend in most?
By originations: Davidson County (414), Hamilton County (403), Williamson County (338), Rutherford County (320), Henderson County (122).
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.