Lenders › Bank of America NA › Tennessee
Bank of America NA 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, Bank of America NA reported 3,784 applications and 1,447 originations for 2024, $391m in all.
Its denial rate in the state was 47.8%, above the Tennessee rate of 22.6% across all lenders and compared with the lender's national rate of 48.1%.
The median rate spread on its Tennessee originations was 1.3 percentage points (state median 0.3).
Applications in the state were down 18% on 2023.
Compared with the state and the lender's national record
| Measure | In Tennessee | Tennessee, all lenders | Bank of America NA, all states | United States |
|---|---|---|---|---|
| Denial rate | 47.8% | 22.6% | 48.1% | 24.3% |
| Median rate spread, pp | 1.3 | 0.3 | 1.1 | 0.3 |
| Originations with spread of 1.5 pp or more | 41.9% | 14.7% | 41.1% | 15.6% |
| Average originated loan | $270k | $302k | $360k | $329k |
| Home purchase share | 31.5% | 55.5% | 31.8% | 57.0% |
| FHA-insured share | 0.8% | 15.5% | 0.5% | 13.4% |
| VA-guaranteed share | 0.1% | 10.0% | 0.1% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateTennessee, all lenders
Loan purpose and loan type in Tennessee
By purpose
Home purchase 32% (456)Home improvement 34% (495)Refinancing 13% (190)Cash-out refinancing 2% (25)Other purpose 19% (281)
By type
Conventional 99% (1,435)FHA 1% (11)VA 0% (1)
Denial reasons as coded
Share of 1,387 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 | 737 | 321 | $108m | 41.6% |
| Williamson County | 421 | 208 | $85m | 30.2% |
| Shelby County | 543 | 156 | $46m | 63.4% |
| Rutherford County | 318 | 117 | $20m | 50.0% |
| Knox County | 243 | 104 | $28m | 41.2% |
| Hamilton County | 244 | 101 | $18m | 44.6% |
| Sumner County | 213 | 92 | $18m | 39.6% |
| Wilson County | 115 | 46 | $12m | 41.5% |
| Montgomery County | 137 | 33 | $4.3m | 67.9% |
| Robertson County | 70 | 26 | $2.9m | 47.4% |
| Maury County | 57 | 19 | $7.6m | 52.4% |
| Blount County | 35 | 17 | $3.3m | — |
| Washington County | 28 | 16 | $3.2m | — |
| Cheatham County | 48 | 14 | $1.9m | 63.4% |
| Anderson County | 33 | 14 | $1.0m | 44.0% |
| Sevier County | 31 | 14 | $6.1m | 48.1% |
| Dickson County | 27 | 8 | $760k | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Bank of America NA originate in Tennessee in 2024?
1,447 loans totalling $391m, from 3,784 applications reported for properties in Tennessee.
What is Bank of America NA's denial rate in Tennessee?
47.8% of decided applications in Tennessee were denied, against 22.6% for all lenders in the state and 48.1% 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 Bank of America NA lend in most?
By originations: Davidson County (321), Williamson County (208), Shelby County (156), Rutherford County (117), Knox County (104).
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.