Bank of Bartlett mortgage approval rate & lending review
Bank of Bartlett decided 1,579 mortgage applications and funded 918 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Bank of Bartlett reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Bank of Bartlett at a glance
Approval is 6.2 points below the 76.8% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 74% | 356 / 478 | 79% | $235K | 282 |
| Home improvement loans | 66% | 310 / 470 | 85% | $95K | 264 |
| Cash-out refinance | 68% | 17 / 25 | 76% | $95K | 13 |
| Refinance | 75% | 229 / 307 | 87% | $145K | 199 |
| Investment property purchase | 72% | 141 / 195 | 74% | $195K | 105 |
| Investment refinance | 70% | 55 / 79 | 89% | $95K | 49 |
Bank of Bartlett lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Tennessee | 71% | $145K | 1,422 | 834 |
| Mississippi | 63% | $145K | 126 | 66 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Bank of Bartlett lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Shelby County, TN | Mortgage lenders | 75% | 432 | 257 |
| Shelby County, TN | Home improvement loans | 66% | 429 | 245 |
| Shelby County, TN | Refinance | 75% | 280 | 183 |
| Shelby County, TN | Investment property purchase | 72% | 157 | 85 |
| Shelby County, TN | Investment refinance | 71% | 72 | 45 |
| DeSoto County, MS | Mortgage lenders | 65% | 34 | 18 |
| DeSoto County, MS | Home improvement loans | 58% | 38 | 18 |
| DeSoto County, MS | Refinance | 71% | 21 | 13 |
| DeSoto County, MS | Investment property purchase | 65% | 23 | 12 |
| Shelby County, TN | Cash-out refinance | 68% | 22 | 11 |
The county markets where Bank of Bartlett made the most loans. Each link opens that market with every lender ranked.
Questions about Bank of Bartlett
What is Bank of Bartlett's mortgage approval rate?
Bank of Bartlett approved 70.6% of the 1,579 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 6.2 points below the 76.8% national rate for the same mix of loan types.
How often do borrowers take the loan Bank of Bartlett offers?
Borrowers accepted 82% of the loans Bank of Bartlett approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Bank of Bartlett make?
The typical home purchase mortgage loan Bank of Bartlett made was $235K; across all loan types its typical loan ran from $95K to $235K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Bank of Bartlett lend?
Bank of Bartlett decided applications in 11 of the states Fat Boy Data covers, most of them in Tennessee, Mississippi and Texas.
Can I apply to Bank of Bartlett directly?
Yes. Bank of Bartlett is a bank or credit union with 7 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Bank of Bartlett's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Bank of Bartlett treats applications, then get a rate quote from the lender.