The First National Bank of Middle Tennessee: 2025 mortgage rates, costs & approvals
How The First National Bank of Middle Tennessee priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: The First National Bank of Middle Tennessee · LEI 549300RP3DLR09NF6157
In 2025, The First National Bank of Middle Tennessee originated 418 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 8 states — 815th by volume among the 2,017 lenders profiled here.
On conventional 30-year fixed purchase loans its median rate was 6.625% (all lenders: 6.625%); its median rate spread was in line with the national median. Median conventional loan costs were $5,180, 7% lower than the national median ($5,570).
It denied 11.6% of completed home-purchase applications (all lenders: 8.5%).
How The First National Bank of Middle Tennessee priced home-purchase loans
| Purchase loans, 2025 | The First National Bank of Middle Tennessee | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | 6.625% | 6.625% |
| 30-year fixed rate · FHA | 6.250% | 6.250% |
| 30-year fixed rate · VA | 6.250% | 6.125% |
| 15-year fixed rate · conventional | — | 5.875% |
| Rate spread vs. APOR · conventional | +0.16 pts | +0.13 pts |
| Total loan costs · conventional | $5,180 | $5,570 |
| Total loan costs · FHA | $10,580 | $11,310 |
| Total loan costs · VA | $7,530 | $6,490 |
| Origination charges (all types) | $2,470 | $1,860 |
| Borrowers paying discount points | 48.6% | 51.3% |
| Points paid, when paid (% of loan) | 0.99% | 0.87% |
| Borrowers receiving lender credits | 69.0% | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Why The First National Bank of Middle Tennessee denied purchase applications
First reason the lender reported for each denied home-purchase application.
Where The First National Bank of Middle Tennessee lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| Tennessee | 399 | 457 | 11.9% | 6.625% | $5,280 |
| Kentucky | 8 | 9 | — | — | — |
| Georgia | 4 | 4 | — | — | — |
| Arkansas | 2 | 2 | — | — | — |
| South Carolina | 2 | 2 | — | — | — |
| Indiana | 1 | 1 | — | — | — |
| Mississippi | 1 | 1 | — | — | — |
| Texas | 1 | 1 | — | — | — |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open The First National Bank of Middle Tennessee's page for that state.
Counties where The First National Bank of Middle Tennessee is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Warren County, TN | 2 | 50 | 8.8% |
| Cannon County, TN | 2 | 18 | 8.1% |
| DeKalb County, TN | 3 | 28 | 7.9% |
| Bedford County, TN | 6 | 37 | 4.4% |
| Hickman County, TN | 8 | 9 | 2.5% |
| Moore County, TN | 11 | 3 | 2.4% |
| Bledsoe County, TN | 12 | 3 | 2.0% |
| Coffee County, TN | 14 | 17 | 1.8% |
| Rutherford County, TN | 14 | 108 | 1.7% |
| Grundy County, TN | 25 | 2 | 1.3% |
| Van Buren County, TN | 25 | 1 | 1.2% |
| Franklin County, TN | 19 | 7 | 1.0% |
| Benton County, TN | 24 | 2 | 0.9% |
Check The First National Bank of Middle Tennessee yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 549300RP3DLR09NF6157.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from The First National Bank of Middle Tennessee with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology