Studio Bank mortgage approval rate & lending review
Studio Bank decided 489 mortgage applications and funded 447 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Studio Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Studio Bank at a glance
Approval is 7.3 points above the 85.1% 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 | 95% | 319 / 335 | 98% | $475K | 314 |
| Cash-out refinance | 77% | 23 / 30 | 100% | $565K | 23 |
| Refinance | 93% | 27 / 29 | 100% | $525K | 27 |
| Investment property purchase | 96% | 66 / 69 | 100% | $305K | 66 |
Studio Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Tennessee | 92% | $475K | 460 | 418 |
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 Studio Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Davidson County, TN | Mortgage lenders | 93% | 168 | 152 |
| Williamson County, TN | Mortgage lenders | 97% | 59 | 57 |
| Davidson County, TN | Investment property purchase | 98% | 41 | 40 |
The county markets where Studio Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Studio Bank
What is Studio Bank's mortgage approval rate?
Studio Bank approved 92.4% of the 489 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 7.3 points above the 85.1% national rate for the same mix of loan types.
How often do borrowers take the loan Studio Bank offers?
Borrowers accepted 99% of the loans Studio Bank 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 Studio Bank make?
The typical home purchase mortgage loan Studio Bank made was $475K; across all loan types its typical loan ran from $305K to $565K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Studio Bank lend?
Studio Bank decided applications in 17 of the states Fat Boy Data covers, most of them in Tennessee, Florida and Alabama.
Can I apply to Studio Bank directly?
Yes. Studio Bank is a bank or credit union with 2 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Studio Bank'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 Studio Bank treats applications, then get a rate quote from the lender.