# Studio Bank

> **Canonical URL:** https://saferate.com/lenders/studio-bank


> **📋 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


Studio Bank is a bank, headquartered in Nashville, TN, serving borrowers across 9 states, with 137 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 56% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 48% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300SMD444BM2WO947
- **Headquarters:** Nashville, TN
- **Geographic Reach:** Multi-Region
- **States Served:** 9
- **State List:** AL, CA, FL, NC, NJ, SC, TN, TX, WY
- **Markets (MSAs):** 1
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 44/100
- Rating: ●●●○○ (3/5)

### Pull Through: Sound ☺️
- Score: 52/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.236%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,039
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 137
- **Dollar Volume:** $75 million
- **Applications Received:** 195
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $549,161
- **Average Borrower Income:** $247,255
- **Average Property Value:** $800,985

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 35/100 | 104 | +0.208% | $1,805 | Acceptable 🙂 |
| FHA | 51/100 | 15 | +0.406% | $2,962 | Sound ☺️ |
| Jumbo | 62/100 | 13 | +0.391% | $3,163 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 92 loans, Score: 37/100 (Acceptable)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 40/100 | 123 | $68M | +0.239% | Sound ☺️ |
| Refinance | 27/100 | 14 | $7M | +0.219% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TN | 125 | 0.14% | 72/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Nashville | TN | 111 | 76/100 |

## Where This Lender Ranks

Studio Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#16** in Nashville for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/nashville/best-mortgage-lenders/banks/jumbo-loans)

## Frequently Asked Questions

### What loan types does Studio Bank offer?

Studio Bank offers the following mortgage loan types: FHA, Conventional, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Studio Bank offer mortgages?

Studio Bank offers mortgages in 9 states: AL, CA, FL, NC, NJ, SC, TN, TX, WY.

### How competitive are Studio Bank's mortgage rates?

Studio Bank has a pricing score of 44/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.236% above market average.

### What type of lender is Studio Bank?

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

### What is Studio Bank's loan approval success rate?

Studio Bank has a pull-through score of 52/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

---

## 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/studio-bank

### How to Cite

> "Studio Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/studio-bank

---

**[View Interactive Profile →](https://saferate.com/lenders/studio-bank)**