# The First National Bank of Middle Tennessee

> **Canonical URL:** https://saferate.com/lenders/the-first-national-bank-of-middle-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


The First National Bank of Middle Tennessee is a bank, headquartered in McMinnville, TN, serving borrowers across 5 states, with 375 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 54% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 31% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300RP3DLR09NF6157
- **Headquarters:** McMinnville, TN
- **Geographic Reach:** Regional
- **States Served:** 5
- **State List:** AL, GA, KY, NV, TN
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 95.4%
- **Brokered/Wholesale:** 4.6%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 46/100
- Rating: ●●●○○ (3/5)

### Pull Through: Strong 😀
- Score: 69/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.192%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,576
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 375
- **Dollar Volume:** $125 million
- **Applications Received:** 458
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $333,480
- **Average Borrower Income:** $123,624
- **Average Property Value:** $441,507

## Safe Rate Awards 🏆

- ⭐ **FHA Gold Superstar** (70%)
- ⭐ **VA Gold Superstar** (70%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 44/100 | 198 | +0.229% | $2,816 | Sound ☺️ |
| FHA | 67/100 | 128 | +0.248% | $2,479 | Strong 😀 |
| VA | 63/100 | 29 | -0.405% | $1,533 | Strong 😀 |
| USDA | 74/100 | 18 | +0.127% | $1,473 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 149 loans, Score: 43/100 (Sound)
- Refinance: 49 loans, Score: 48/100 (Sound)

**FHA:**
- Purchase: 124 loans, Score: 67/100 (Strong)

**VA:**
- Purchase: 28 loans, Score: 63/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 54/100 | 320 | $106M | +0.170% | Sound ☺️ |
| Refinance | 47/100 | 55 | $19M | +0.300% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TN | 371 | 0.41% | 82/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Nashville | TN | 192 | 81/100 |
| Non |  | 161 | 63/100 |
| Jackson, TN | TN | 12 | 47/100 |

## Where This Lender Ranks

The First National Bank of Middle Tennessee appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥉 **#3** in Nashville for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/nashville/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#6** in Tennessee for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/tennessee/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#7** in Tennessee for USDA Loans (Banks)
  - [View Full Rankings](https://saferate.com/tennessee/best-mortgage-lenders/banks/usda-loans)
- 🏆 **#7** in Nashville for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/nashville/best-mortgage-lenders/banks/va-loans)
- 🏆 **#8** in Tennessee for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/tennessee/best-mortgage-lenders/banks/va-loans)
- 🏆 **#9** in Nashville for FHA Loans
  - [View Full Rankings](https://saferate.com/nashville/best-mortgage-lenders/fha-loans)
- 🏆 **#11** in Tennessee for FHA Loans
  - [View Full Rankings](https://saferate.com/tennessee/best-mortgage-lenders/fha-loans)
- 🏆 **#13** in Nashville Banks
  - [View Full Rankings](https://saferate.com/nashville/best-mortgage-lenders/banks)
- 🏆 **#14** in Tennessee Banks
  - [View Full Rankings](https://saferate.com/tennessee/best-mortgage-lenders/banks)
- 🏆 **#16** in Tennessee for USDA Loans
  - [View Full Rankings](https://saferate.com/tennessee/best-mortgage-lenders/usda-loans)
- 🏆 **#18** in Tennessee for VA Loans
  - [View Full Rankings](https://saferate.com/tennessee/best-mortgage-lenders/va-loans)
- 🏆 **#18** in Nashville for VA Loans
  - [View Full Rankings](https://saferate.com/nashville/best-mortgage-lenders/va-loans)

## Frequently Asked Questions

### What loan types does The First National Bank of Middle Tennessee offer?

The First National Bank of Middle Tennessee offers the following mortgage loan types: FHA, Conventional, VA, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does The First National Bank of Middle Tennessee offer mortgages?

The First National Bank of Middle Tennessee offers mortgages in 5 states: AL, GA, KY, NV, TN.

### How competitive are The First National Bank of Middle Tennessee's mortgage rates?

The First National Bank of Middle Tennessee has a pricing score of 46/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.192% above market average.

### What type of lender is The First National Bank of Middle Tennessee?

The First National Bank of Middle Tennessee is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in McMinnville, TN.

### What is The First National Bank of Middle Tennessee's loan approval success rate?

The First National Bank of Middle Tennessee has a pull-through score of 69/100 (Strong). 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/the-first-national-bank-of-middle-tennessee

### How to Cite

> "The First National Bank of Middle Tennessee Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/the-first-national-bank-of-middle-tennessee

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