Lenders › Us Bank, N.A. › Tennessee
Us Bank, N.A. 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.
Us Bank, N.A.'s 2024 HMDA record for Tennessee covers 3,964 applications, 1,907 of them originated, worth $566m.
Its denial rate in the state was 41.8%, above the Tennessee rate of 22.6% across all lenders and compared with the lender's national rate of 41.5%.
The median rate spread on its Tennessee originations was 1.0 percentage points (state median 0.3).
Applications in the state were down 7% on 2023.
Compared with the state and the lender's national record
| Measure | In Tennessee | Tennessee, all lenders | Us Bank, N.A., all states | United States |
|---|---|---|---|---|
| Denial rate | 41.8% | 22.6% | 41.5% | 24.3% |
| Median rate spread, pp | 1.0 | 0.3 | 0.6 | 0.3 |
| Originations with spread of 1.5 pp or more | 34.2% | 14.7% | 24.2% | 15.6% |
| Average originated loan | $297k | $302k | $403k | $329k |
| Home purchase share | 40.2% | 55.5% | 46.8% | 57.0% |
| FHA-insured share | 3.0% | 15.5% | 2.4% | 13.4% |
| VA-guaranteed share | 2.7% | 10.0% | 1.6% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateTennessee, all lenders
Loan purpose and loan type in Tennessee
By purpose
Home purchase 40% (767)Home improvement 21% (391)Refinancing 8% (151)Cash-out refinancing 10% (196)Other purpose 21% (402)
By type
Conventional 94% (1,796)FHA 3% (57)VA 3% (51)USDA 0% (3)
Denial reasons as coded
Share of 1,407 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 | 607 | 280 | $84m | 42.5% |
| Rutherford County | 365 | 186 | $42m | 39.7% |
| Williamson County | 299 | 178 | $101m | 31.0% |
| Montgomery County | 267 | 130 | $27m | 43.4% |
| Sumner County | 237 | 125 | $27m | 39.5% |
| Knox County | 218 | 107 | $96m | 41.3% |
| Wilson County | 177 | 95 | $26m | 32.0% |
| Shelby County | 138 | 53 | $14m | 55.8% |
| Robertson County | 114 | 50 | $9.5m | 51.0% |
| Cheatham County | 94 | 44 | $8.9m | 40.0% |
| Dickson County | 82 | 44 | $7.6m | 35.3% |
| Blount County | 75 | 43 | $7.7m | 31.7% |
| Maury County | 87 | 42 | $9.8m | 42.5% |
| Sevier County | 74 | 35 | $10.0m | 39.0% |
| Hamilton County | 67 | 30 | $8.7m | 38.0% |
| White County | 57 | 30 | $4.0m | 31.3% |
| Putnam County | 59 | 24 | $5.0m | 52.9% |
| Coffee County | 49 | 20 | $2.9m | 51.2% |
| Cumberland County | 49 | 20 | $2.1m | 50.0% |
| Jefferson County | 45 | 20 | $3.0m | 44.4% |
| Bradley County | 41 | 19 | $3.8m | 46.2% |
| Hawkins County | 44 | 17 | $2.9m | 53.8% |
| Franklin County | 25 | 17 | $2.9m | — |
| Bedford County | 32 | 15 | $4.9m | 44.4% |
| Warren County | 26 | 14 | $2.5m | — |
| Hamblen County | 26 | 13 | $1.2m | — |
| Roane County | 33 | 12 | $1.8m | 57.1% |
| Cocke County | 31 | 12 | $1.3m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Us Bank, N.A. originate in Tennessee in 2024?
1,907 loans totalling $566m, from 3,964 applications reported for properties in Tennessee.
What is Us Bank, N.A.'s denial rate in Tennessee?
41.8% of decided applications in Tennessee were denied, against 22.6% for all lenders in the state and 41.5% 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 Us Bank, N.A. lend in most?
By originations: Davidson County (280), Rutherford County (186), Williamson County (178), Montgomery County (130), Sumner County (125).
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.