Bank Of Tennessee mortgage approval rate & lending review
Bank Of Tennessee decided 1,014 mortgage applications and funded 855 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Bank Of Tennessee reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Bank Of Tennessee at a glance
Approval is 11.4 points above the 80.9% 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 | 96% | 537 / 560 | 90% | $335K | 483 |
| Home improvement loans | 91% | 107 / 118 | 96% | $75K | 103 |
| Cash-out refinance | 77% | 103 / 133 | 93% | $165K | 96 |
| Refinance | 88% | 28 / 32 | 89% | $125K | 25 |
| Investment property purchase | 95% | 125 / 132 | 93% | $195K | 116 |
Bank Of Tennessee lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Tennessee | 92% | $335K | 965 | 814 |
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 Tennessee lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Davidson County, TN | Mortgage lenders | 98% | 122 | 109 |
| Sullivan County, TN | Mortgage lenders | 97% | 100 | 88 |
| Washington County, TN | Mortgage lenders | 92% | 99 | 80 |
| Sumner County, TN | Mortgage lenders | 95% | 56 | 49 |
| Washington County, TN | Home improvement loans | 93% | 45 | 42 |
| Williamson County, TN | Mortgage lenders | 97% | 39 | 34 |
| Wilson County, TN | Mortgage lenders | 95% | 39 | 33 |
| Washington County, TN | Cash-out refinance | 77% | 44 | 31 |
| Sullivan County, TN | Investment property purchase | 100% | 31 | 29 |
| Sullivan County, TN | Home improvement loans | 93% | 29 | 25 |
| Davidson County, TN | Investment property purchase | 89% | 28 | 24 |
| Sullivan County, TN | Cash-out refinance | 79% | 28 | 21 |
The county markets where Bank Of Tennessee made the most loans. Each link opens that market with every lender ranked.
Questions about Bank Of Tennessee
What is Bank Of Tennessee's mortgage approval rate?
Bank Of Tennessee approved 92.3% of the 1,014 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 11.4 points above the 80.9% national rate for the same mix of loan types.
How often do borrowers take the loan Bank Of Tennessee offers?
Borrowers accepted 91% of the loans Bank Of Tennessee 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 Tennessee make?
The typical home purchase mortgage loan Bank Of Tennessee made was $335K; across all loan types its typical loan ran from $75K to $335K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Bank Of Tennessee lend?
Bank Of Tennessee decided applications in 12 of the states Fat Boy Data covers, most of them in Tennessee, Florida and South Carolina.
Can I apply to Bank Of Tennessee directly?
Yes. Bank Of Tennessee is a bank or credit union with 23 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Bank Of Tennessee'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 Tennessee treats applications, then get a rate quote from the lender.