Lenders › Studio Bank › Tennessee
Studio 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.
In Tennessee, Studio Bank reported 224 applications and 151 originations for 2024, $80m in all.
Its denial rate in the state was 13.6%, below the Tennessee rate of 22.6% across all lenders and compared with the lender's national rate of 12.6%.
The median rate spread on its Tennessee originations was 0.2 percentage points (state median 0.3).
Applications in the state were about level with 2023.
Compared with the state and the lender's national record
| Measure | In Tennessee | Tennessee, all lenders | Studio Bank, all states | United States |
|---|---|---|---|---|
| Denial rate | 13.6% | 22.6% | 12.6% | 24.3% |
| Median rate spread, pp | 0.2 | 0.3 | 0.2 | 0.3 |
| Originations with spread of 1.5 pp or more | 0.0% | 14.7% | 0.0% | 15.6% |
| Average originated loan | $529k | $302k | $546k | $329k |
| Home purchase share | 86.8% | 55.5% | 86.6% | 57.0% |
| FHA-insured share | 10.6% | 15.5% | 9.3% | 13.4% |
| VA-guaranteed share | 2.6% | 10.0% | 2.9% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateTennessee, all lenders
Loan purpose and loan type in Tennessee
By purpose
Home purchase 87% (131)Refinancing 8% (12)Cash-out refinancing 3% (5)Other purpose 2% (3)
By type
Conventional 87% (131)FHA 11% (16)VA 3% (4)
Denial reasons as coded
Withheld: fewer than 25 denials in the state.
Counties in Tennessee
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Davidson County | 105 | 72 | $35m | 14.1% |
| Williamson County | 43 | 29 | $25m | 9.4% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Studio Bank originate in Tennessee in 2024?
151 loans totalling $80m, from 224 applications reported for properties in Tennessee.
What is Studio Bank's denial rate in Tennessee?
13.6% of decided applications in Tennessee were denied, against 22.6% for all lenders in the state and 12.6% 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 Studio Bank lend in most?
By originations: Davidson County (72), Williamson County (29).
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.