Lenders › Regions Bank › Tennessee
Regions 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.
Regions Bank's 2024 HMDA record for Tennessee covers 11,336 applications, 5,247 of them originated, worth $974m.
Its denial rate in the state was 42.2%, above the Tennessee rate of 22.6% across all lenders and compared with the lender's national rate of 45.8%.
The median rate spread on its Tennessee originations was 0.5 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 | Regions Bank, all states | United States |
|---|---|---|---|---|
| Denial rate | 42.2% | 22.6% | 45.8% | 24.3% |
| Median rate spread, pp | 0.5 | 0.3 | 0.4 | 0.3 |
| Originations with spread of 1.5 pp or more | 24.1% | 14.7% | 22.5% | 15.6% |
| Average originated loan | $186k | $302k | $300k | $329k |
| Home purchase share | 19.0% | 55.5% | 29.2% | 57.0% |
| FHA-insured share | 4.1% | 15.5% | 4.9% | 13.4% |
| VA-guaranteed share | 0.7% | 10.0% | 1.3% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateTennessee, all lenders
Loan purpose and loan type in Tennessee
By purpose
Home purchase 19% (997)Home improvement 31% (1,606)Refinancing 22% (1,129)Cash-out refinancing 4% (211)Other purpose 25% (1,304)
By type
Conventional 95% (4,985)FHA 4% (215)VA 1% (36)USDA 0% (11)
Denial reasons as coded
Share of 4,240 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 | 1,347 | 610 | $159m | 42.9% |
| Hamilton County | 990 | 482 | $78m | 39.5% |
| Knox County | 852 | 481 | $87m | 31.7% |
| Shelby County | 1,538 | 472 | $67m | 59.0% |
| Williamson County | 522 | 304 | $109m | 26.1% |
| Rutherford County | 499 | 227 | $33m | 42.4% |
| Sumner County | 383 | 197 | $25m | 35.3% |
| Madison County | 317 | 137 | $17m | 45.6% |
| Maury County | 219 | 126 | $61m | 33.7% |
| Wilson County | 244 | 118 | $64m | 39.5% |
| Gibson County | 213 | 117 | $14m | 33.8% |
| Bradley County | 248 | 116 | $13m | 40.0% |
| Sullivan County | 215 | 112 | $11m | 35.7% |
| Blount County | 180 | 106 | $17m | 31.3% |
| Montgomery County | 244 | 101 | $14m | 48.6% |
| Cumberland County | 152 | 76 | $8.6m | 39.0% |
| Putnam County | 135 | 68 | $7.8m | 32.2% |
| Washington County | 134 | 62 | $20m | 41.2% |
| Robertson County | 125 | 61 | $5.8m | 44.0% |
| Carroll County | 106 | 57 | $4.6m | 42.6% |
| Roane County | 106 | 54 | $6.2m | 27.7% |
| Anderson County | 115 | 51 | $6.6m | 43.9% |
| Loudon County | 92 | 48 | $12m | 37.9% |
| Dyer County | 80 | 45 | $6.1m | 31.5% |
| Dickson County | 104 | 41 | $5.3m | 55.2% |
| Henry County | 81 | 40 | $3.2m | 39.2% |
| Weakley County | 65 | 38 | $3.4m | 31.0% |
| McMinn County | 71 | 37 | $3.0m | 37.9% |
| Obion County | 74 | 36 | $3.1m | 41.2% |
| Rhea County | 60 | 36 | $5.1m | 32.1% |
| Fayette County | 87 | 34 | $4.9m | 45.8% |
| Bedford County | 67 | 34 | $4.2m | 43.5% |
| Lincoln County | 68 | 32 | $3.3m | 33.3% |
| Cheatham County | 65 | 31 | $5.1m | 42.1% |
| Tipton County | 89 | 30 | $3.4m | 57.7% |
| Warren County | 58 | 30 | $3.5m | 29.4% |
| McNairy County | 52 | 26 | $2.8m | 39.6% |
| Carter County | 61 | 25 | $3.1m | 53.4% |
| Hardeman County | 55 | 25 | $1.8m | 49.0% |
| Hamblen County | 48 | 25 | $3.5m | 30.0% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Regions Bank originate in Tennessee in 2024?
5,247 loans totalling $974m, from 11,336 applications reported for properties in Tennessee.
What is Regions Bank's denial rate in Tennessee?
42.2% of decided applications in Tennessee were denied, against 22.6% for all lenders in the state and 45.8% 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 Regions Bank lend in most?
By originations: Davidson County (610), Hamilton County (482), Knox County (481), Shelby County (472), Williamson County (304).
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 1 Oct 2026; data through 1 Aug 2026. See methodology and corrections.