Purchase Originations
107
Median Total Costs
$2,284
−65.8% vs national ($6,680)
Median Rate
6.950%
+7.1% vs national (6.490%)
Median Origination
$1,398
Median Lender Credits
—
Denial Rate
4.2%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 107 | 6.950% | $2,284 | $1,398 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Tennessee | 107 | 6.950% | $2,284 | #120 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $302 | 6.750% | — | 1 | −$1,982 | |
| 2 | $733 | 5.990% | — | 1 | −$1,551 | |
| 3 | $1,020 | 6.950% | — | 14 | −$1,264 | |
| 4 | $1,455 | 6.950% | — | 9 | −$829 | |
| 5 | $1,614 | 6.450% | — | 1 | −$670 | |
| 6 | $2,213 | 6.850% | — | 19 | −$71 | |
| 7 | $2,376 | 6.900% | — | 44 | +$92 | |
| 8 | $2,403 | 6.450% | — | 3 | +$119 | |
| 9 | $2,553 | 7.120% | — | 2 | +$269 | |
| 10 | $3,018 | 7.550% | — | 2 | +$734 | |
| 11 | $3,133 | 8.150% | — | 1 | +$849 | |
| 12 | $3,766 | 6.600% | — | 2 | +$1,482 | |
| 13 | $4,370 | 6.950% | — | 4 | +$2,086 | |
| 14 | $4,398 | 6.450% | — | 1 | +$2,114 | |
| 15 | $5,533 | 6.950% | — | 1 | +$3,249 | |
| 16 | $23,462 | 6.150% | — | 2 | +$21,178 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | One Bank of Tennessee | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $285,000 | $335,000 | −$50,000 (−14.9%) |
| Median total closing costs | $2,284 | $7,127 | −$4,843 (−68.0%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.