Lenders › First National Bank of Middle Tennessee › Tennessee
First National Bank of Middle Tennessee 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, First National Bank of Middle Tennessee reported 562 applications and 455 originations for 2024, $158m in all.
Its denial rate in the state was 10.6%, below the Tennessee rate of 22.6% across all lenders and compared with the lender's national rate of 10.5%.
The median rate spread on its Tennessee originations was 0.2 percentage points (state median 0.3).
Applications in the state were up 42% on 2023.
Compared with the state and the lender's national record
| Measure | In Tennessee | Tennessee, all lenders | First National Bank of Middle Tennessee, all states | United States |
|---|---|---|---|---|
| Denial rate | 10.6% | 22.6% | 10.5% | 24.3% |
| Median rate spread, pp | 0.2 | 0.3 | 0.2 | 0.3 |
| Originations with spread of 1.5 pp or more | 3.5% | 14.7% | 3.7% | 15.6% |
| Average originated loan | $347k | $302k | $351k | $329k |
| Home purchase share | 82.4% | 55.5% | 82.4% | 57.0% |
| FHA-insured share | 29.5% | 15.5% | 28.9% | 13.4% |
| VA-guaranteed share | 7.0% | 10.0% | 7.3% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateTennessee, all lenders
Loan purpose and loan type in Tennessee
By purpose
Home purchase 82% (375)Home improvement 1% (5)Refinancing 11% (50)Cash-out refinancing 4% (18)Other purpose 2% (7)
By type
Conventional 60% (271)FHA 29% (134)VA 7% (32)USDA 4% (18)
Denial reasons as coded
Share of 54 denials in Tennessee by first denial reason coded (outlined bar: all lenders in the state).
Counties in Tennessee
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Rutherford County | 117 | 100 | $37m | 6.5% |
| Warren County | 89 | 75 | $18m | 6.3% |
| Davidson County | 50 | 43 | $21m | 8.5% |
| DeKalb County | 35 | 27 | $8.1m | 12.9% |
| Williamson County | 31 | 27 | $19m | 10.0% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did First National Bank of Middle Tennessee originate in Tennessee in 2024?
455 loans totalling $158m, from 562 applications reported for properties in Tennessee.
What is First National Bank of Middle Tennessee's denial rate in Tennessee?
10.6% of decided applications in Tennessee were denied, against 22.6% for all lenders in the state and 10.5% 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 First National Bank of Middle Tennessee lend in most?
By originations: Rutherford County (100), Warren County (75), Davidson County (43), DeKalb County (27), Williamson County (27).
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.