Lender in Tennessee · HMDA 2025
SmartBank mortgages in Tennessee
SmartBank's 2025 home-purchase and refinance lending in Tennessee, compared with all lenders in the state.
SmartBank originated 262 owner-occupied single-family loans in Tennessee from 322 completed applications.
Its median conventional purchase loan costs were $4,710 versus $5,320 for all Tennessee lenders, at a median 30-year fixed rate of 6.375% (Tennessee: 6.624%).
Loans in TN
262
of 322 applications
Denial rate
3.9%
Purchase · TN 7.7%
Rate spread
+0.34 pts
Conv. · TN +0.11 pts
Loan amount
$365,000
Purchase · TN $325,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 256 | 211 | 3.9% | 6.375% | +0.34 pts | $4,710 | $365,000 |
| Refinance | 42 | 33 | 7.1% | 6.625% | +0.15 pts | $3,900 | $335,000 |
| Cash-out refinance | 24 | 18 | 12.5% | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
Tennessee counties where SmartBank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Sevier County | 8 | 28 | 2.4% |
| Bradley County | 13 | 34 | 2.1% |
| Fentress County | 14 | 5 | 1.7% |
| Blount County | 21 | 24 | 1.0% |
| Coffee County | 21 | 8 | 0.8% |
| Hamilton County | 23 | 63 | 1.1% |
| Cumberland County | 23 | 10 | 1.1% |
| Cannon County | 23 | 2 | 0.9% |
| Meigs County | 23 | 2 | 1.5% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology