# One Bank of Tennessee

> **Canonical URL:** https://saferate.com/lenders/one-bank-of-tennessee


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


One Bank of Tennessee is a bank, headquartered in COOKEVILLE, TN, with 195 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 92% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 41% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 254900DGJQT6H4M24F92
- **Headquarters:** COOKEVILLE, TN
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** TN
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Mediocre 😐
- Score: 8/100
- Rating: ●○○○○ (1/5)

### Pull Through: Sound ☺️
- Score: 59/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +1.132%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,029
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 195
- **Dollar Volume:** $45 million
- **Applications Received:** 216
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $230,487
- **Average Borrower Income:** $144,841
- **Average Property Value:** $423,923

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 40/100 | 190 | +1.132% | $1,029 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 106 loans, Score: 36/100 (Acceptable)
- Refinance: 84 loans, Score: 54/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 34/100 | 109 | $33M | +1.203% | Acceptable 🙂 |
| Refinance | 51/100 | 86 | $12M | +1.093% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TN | 195 | 0.21% | 77/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 171 | 67/100 |
| Knoxville, TN | TN | 20 | 52/100 |

## Frequently Asked Questions

### What loan types does One Bank of Tennessee offer?

One Bank of Tennessee offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does One Bank of Tennessee offer mortgages?

One Bank of Tennessee offers mortgages in 1 states: TN.

### How competitive are One Bank of Tennessee's mortgage rates?

One Bank of Tennessee has a pricing score of 8/100 (Mediocre), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 1.132% above market average.

### What type of lender is One Bank of Tennessee?

One Bank of Tennessee is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in COOKEVILLE, TN.

### What is One Bank of Tennessee's loan approval success rate?

One Bank of Tennessee has a pull-through score of 59/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/one-bank-of-tennessee

### How to Cite

> "One Bank of Tennessee Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/one-bank-of-tennessee

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