Patriot Bank
Patriot Bank received 587 applications in 2025 and made 468 mortgages, in 37 counties across 11 states. The median rate its borrowers got was 6.250% on a median loan of $245,000. Of 514 decisions, 40 were denials — 7.8%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300KM0M1BH7LBWW77 |
|---|---|
| Applications received | 587 |
| Mortgages made | 468 |
| Denied | 40 |
| Approved, not taken up | 6 |
| Withdrawn or incomplete | 73 |
| Loans bought from other lenders | 1 |
| Median rate spread over the prime offer rate | -0.092 points |
| FDIC-insured bank | Yes: Patriot Bank, National Association, 8 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 379 | 6.250% | $275,000 | 2.8% |
| Refinancing | 10 | 6.500% | $230,000 | 23.1% |
| Cash-out refinancing | 30 | 6.750% | $240,000 | 9.1% |
| Other purposes | 49 | 1.000% | $5,000 | 30.3% |
Where Patriot Bank lends most
The 37 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Shelby County, TN | 287 | 6.125% | 8.2% |
| Tipton County, TN | 101 | 6.250% | 8.0% |
| DeSoto County, MS | 20 | 6.188% | 0.0% |
| Fayette County, TN | 19 | 6.125% | 9.5% |
| Lafayette County, MS | 5 | Under 10 loans | 0.0% |
| Floyd County, GA | 2 | Under 10 loans | 0.0% |
| Lee County, MS | 2 | Under 10 loans | 0.0% |
| Marshall County, MS | 2 | Under 10 loans | 0.0% |
| Tishomingo County, MS | 2 | Under 10 loans | 0.0% |
| Lauderdale County, TN | 2 | Under 10 loans | 0.0% |
| Davis County, UT | 2 | Under 10 loans | 0.0% |
| Benton County, AR | 1 | Under 10 loans | 0.0% |
| Cleburne County, AR | 1 | Under 10 loans | 0.0% |
| Peoria County, IL | 1 | Under 10 loans | 0.0% |
| Worcester County, MD | 1 | Under 10 loans | 0.0% |
| Calhoun County, MS | 1 | Under 10 loans | 0.0% |
| Madison County, MS | 1 | Under 10 loans | 0.0% |
| Washington County, MS | 1 | Under 10 loans | 0.0% |
| Perry County, MO | 1 | Under 10 loans | 0.0% |
| Bradley County, TN | 1 | Under 10 loans | 0.0% |
| Crockett County, TN | 1 | Under 10 loans | 0.0% |
| Davidson County, TN | 1 | Under 10 loans | 0.0% |
| Franklin County, TN | 1 | Under 10 loans | 0.0% |
| Gibson County, TN | 1 | Under 10 loans | 0.0% |
| Hamilton County, TN | 1 | Under 10 loans | 0.0% |
| Hardeman County, TN | 1 | Under 10 loans | 50.0% |
| Hardin County, TN | 1 | Under 10 loans | 0.0% |
| Henry County, TN | 1 | Under 10 loans | 50.0% |
| Loudon County, TN | 1 | Under 10 loans | 0.0% |
| McNairy County, TN | 1 | Under 10 loans | 0.0% |
| Madison County, TN | 1 | Under 10 loans | 50.0% |
| Tarrant County, TX | 1 | Under 10 loans | 0.0% |
| Weber County, UT | 1 | Under 10 loans | 0.0% |
| Culpeper County, VA | 1 | Under 10 loans | 0.0% |
| Prince William County, VA | 1 | Under 10 loans | 0.0% |
| Matanuska-Susitna Borough, AK | 0 | Under 10 loans | Not published |
| Haywood County, TN | 0 | Under 10 loans | Not published |
Get told when this changes
When Patriot Bank’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.