Purchase Originations
368
Median Total Costs
$7,735
+15.8% vs national ($6,680)
↑ $42 vs prior year
Median Rate
6.375%
−1.8% vs national (6.490%)
↑ 0.000% vs prior year
Median Origination
$2,463
Median Lender Credits
$99
Denial Rate
10.0%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 178 | 6.625% | $5,156 | $2,169 |
| fha | 139 | 6.250% | $10,528 | $2,820 |
| usda | 27 | 6.125% | $6,992 | $1,540 |
| va | 24 | 6.250% | $7,590 | $2,625 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Tennessee | 350 | 6.375% | $7,799 | #49 |
| Kentucky | 8 | 6.188% | $9,190 | — |
| Georgia | 3 | 6.125% | $6,242 | — |
| Arkansas | 2 | 6.750% | $2,407 | — |
| South Carolina | 2 | 5.812% | $8,904 | — |
| Indiana | 1 | 5.875% | $5,043 | — |
| Mississippi | 1 | 6.950% | $3,136 | — |
| Texas | 1 | 6.125% | $12,664 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,668 | 6.500% | — | 5 | −$3,067 | |
| 2 | $5,098 | 6.312% | — | 4 | −$2,637 | |
| 3 | $5,182 | 6.625% | — | 11 | −$2,553 | |
| 4 | $5,280 | 6.625% | — | 7 | −$2,455 | |
| 5 | $6,229 | 6.250% | — | 3 | −$1,506 | |
| 6 | $6,826 | 6.250% | — | 10 | −$909 | |
| 7 | $6,900 | 6.500% | — | 15 | −$835 | |
| 8 | $7,055 | 6.375% | — | 19 | −$680 | |
| 9 | $7,123 | 6.312% | — | 6 | −$612 | |
| 10 | $7,318 | 6.125% | — | 31 | −$417 | |
| 11 | $7,437 | 6.750% | — | 4 | −$298 | |
| 12 | $7,482 | 6.375% | — | 37 | −$253 | |
| 13 | $7,911 | 6.500% | — | 29 | +$176 | |
| 14 | $7,977 | 6.125% | — | 3 | +$242 | |
| 15 | $8,969 | 6.375% | — | 95 | +$1,234 | |
| 16 | $9,569 | 6.375% | — | 8 | +$1,834 | |
| 17 | $9,639 | 6.125% | — | 9 | +$1,904 | |
| 18 | $10,452 | 6.312% | — | 6 | +$2,717 | |
| 19 | $10,454 | 6.500% | — | 10 | +$2,719 | |
| 20 | $10,850 | 6.000% | — | 3 | +$3,115 |
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 | The First National Bank of Middle Tennessee | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $295,000 | $335,000 | −$40,000 (−11.9%) |
| Median total closing costs | $7,735 | $7,127 | +$608 (+8.5%) |
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.