The First National Bank of Middle Tennessee
The First National Bank of Middle Tennessee received 698 applications in 2025 and made 537 mortgages, in 82 counties across 14 states. The median rate its borrowers got was 6.500% on a median loan of $285,000. Of 605 decisions, 66 were denials — 10.9%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300RP3DLR09NF6157 |
|---|---|
| Applications received | 698 |
| Mortgages made | 537 |
| Denied | 66 |
| Approved, not taken up | 2 |
| Withdrawn or incomplete | 93 |
| Loans bought from other lenders | 1 |
| Median rate spread over the prime offer rate | 0.21 points |
| FDIC-insured bank | Yes: The First National Bank of Middle Tennessee, 10 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 427 | 6.375% | $295,000 | 10.8% |
| Refinancing | 59 | 6.750% | $245,000 | 10.6% |
| Cash-out refinancing | 39 | 6.500% | $225,000 | 15.2% |
| Other purposes | 12 | 7.500% | $130,000 | 0.0% |
Where The First National Bank of Middle Tennessee lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Rutherford County, TN | 131 | 6.500% | 6.4% |
| Warren County, TN | 60 | 6.625% | 18.7% |
| Bedford County, TN | 44 | 6.250% | 12.0% |
| DeKalb County, TN | 36 | 6.500% | 14.3% |
| Davidson County, TN | 32 | 6.750% | 15.8% |
| Cannon County, TN | 21 | 6.750% | 8.7% |
| Coffee County, TN | 18 | 6.500% | 5.3% |
| Williamson County, TN | 17 | 6.750% | 10.5% |
| Wilson County, TN | 14 | 6.563% | 6.7% |
| Hickman County, TN | 13 | 6.250% | 7.1% |
| Maury County, TN | 12 | 6.500% | 7.7% |
| Franklin County, TN | 8 | Under 10 loans | 0.0% |
| Sumner County, TN | 8 | Under 10 loans | 20.0% |
| Scott County, KY | 6 | Under 10 loans | 0.0% |
| Gibson County, TN | 6 | Under 10 loans | 14.3% |
| Moore County, TN | 5 | Under 10 loans | 0.0% |
| White County, TN | 5 | Under 10 loans | 16.7% |
| Hamilton County, TN | 4 | Under 10 loans | 20.0% |
| Madison County, TN | 4 | Under 10 loans | 0.0% |
| Marshall County, TN | 4 | Under 10 loans | 20.0% |
| Montgomery County, TN | 4 | Under 10 loans | 20.0% |
| Putnam County, TN | 4 | Under 10 loans | 0.0% |
| Shelby County, TN | 4 | Under 10 loans | 0.0% |
| Smith County, TN | 4 | Under 10 loans | 42.9% |
| Bledsoe County, TN | 3 | Under 10 loans | 0.0% |
| Giles County, TN | 3 | Under 10 loans | 0.0% |
| Grundy County, TN | 3 | Under 10 loans | 0.0% |
| Rhea County, TN | 3 | Under 10 loans | 0.0% |
| Baldwin County, AL | 2 | Under 10 loans | 33.3% |
| Walton County, FL | 2 | Under 10 loans | 0.0% |
| Cuyahoga County, OH | 2 | Under 10 loans | 0.0% |
| Horry County, SC | 2 | Under 10 loans | 0.0% |
| Benton County, TN | 2 | Under 10 loans | 33.3% |
| Carroll County, TN | 2 | Under 10 loans | 0.0% |
| Cumberland County, TN | 2 | Under 10 loans | 0.0% |
| Dickson County, TN | 2 | Under 10 loans | 0.0% |
| Knox County, TN | 2 | Under 10 loans | 0.0% |
| Overton County, TN | 2 | Under 10 loans | 0.0% |
| Trousdale County, TN | 2 | Under 10 loans | 0.0% |
| Van Buren County, TN | 2 | Under 10 loans | 33.3% |
| Tarrant County, TX | 2 | Under 10 loans | 0.0% |
| Cullman County, AL | 1 | Under 10 loans | 0.0% |
| Mobile County, AL | 1 | Under 10 loans | 0.0% |
| Baxter County, AR | 1 | Under 10 loans | 0.0% |
| Garland County, AR | 1 | Under 10 loans | 0.0% |
| Fulton County, GA | 1 | Under 10 loans | 0.0% |
| Harris County, GA | 1 | Under 10 loans | 0.0% |
| Paulding County, GA | 1 | Under 10 loans | 0.0% |
| Tift County, GA | 1 | Under 10 loans | 0.0% |
| Whitfield County, GA | 1 | Under 10 loans | 0.0% |
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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.