What loan types does Bank of Tennessee offer?

Bank of Tennessee offers the following mortgage loan types: FHA, Conventional, Jumbo. Each product has its own pricing score and performance metrics.

Where does Bank of Tennessee offer mortgages?

Bank of Tennessee offers mortgages in 10 states: AL, FL, IL, IN, KY, NC, SC, TN, TX, VA.

How competitive are Bank of Tennessee's mortgage rates?

Bank of Tennessee has an overall pricing score of 39/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Bank of Tennessee?

Bank of Tennessee is a Bank headquartered in Kingsport, TN.

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Bank of Tennessee

Bank•Kingsport, TNHQ•Direct•Reviews near you on Google

Bank of Tennessee has 285 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Acceptable

2/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Strong

4/5

FHA · Conventional · Jumbo

Place

Strong

4/5

Multi-Region · 3 mkts

Awards

FHA

Superstar

Summary

Things to Think About

Pricing may be below industry average

Explore another lender or local market

Report Card

Bank of Tennessee performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Acceptable

+32.9 bps above market avg

Pull Through

Closing strength

Sound

Top 60% of lenders

By Loan Product· Specialization by type

Conventional

Sound

Top 60% of lenders

FHA

Strong

Top 40% of lenders

Jumbo

Sound

Top 60% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Sound

Top 60% of lenders

Refinance

Sound

Top 60% of lenders

By Location· Geographic coverage

Geographic Reach

Multi-Regional · 4 markets

Strong

Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Sound	Acceptable	Sound	204	71.6%	+0.389%Above	$2,788Fees
FHA Loans	Strong	Strong	Strong	Strong	59	20.7%	+0.205%Above	$2,061Fees
Jumbo Loans	Sound	Sound	—	—	10	3.5%	+0.369%Above	$1,295Fees

Conventional

Overall

Sound

Product

Sound

Pricing

Acceptable

Pull Through

Sound

Volume204

Mix71.6%

Spread

+0.389%Above

Fees

$2,788Fees

FHA Loans

Overall

Strong

Product

Strong

Pricing

Strong

Pull Through

Strong

Volume59

Mix20.7%

Spread

+0.205%Above

Fees

$2,061Fees

Jumbo Loans

Overall

Sound

Product

Sound

Pricing—

Pull Through—

Volume10

Mix3.5%

Spread

+0.369%Above

Fees

$1,295Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Sound	Acceptable	Sound	260	91.2%	+0.317%Above	$2,688Fees
Refinance	Sound	Sound	Sound	Sound	25	8.8%	+0.436%Above	$2,179Fees

Purchase

Overall

Sound

Product

Sound

Pricing

Acceptable

Pull Through

Sound

Volume260

Mix91.2%

Spread

+0.317%Above

Fees

$2,688Fees

Refinance

Overall

Sound

Product

Sound

Pricing

Sound

Pull Through

Sound

Volume25

Mix8.8%

Spread

+0.436%Above

Fees

$2,179Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

285

Applications

420

Volume

$102 million

Pricing & Closing

Avg Rate Spread

+0.329%

vs. market APOR

Avg Net Fees

$2,637

Origination − Credits

Pullthrough Rate

67.9%

Applications → Closed

Typical Borrower

Avg Loan Amount

$359,105

Avg Borrower Income

$154,593

Avg Property Value

$484,123

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

Midwest2

ILIN

South8

ALFLKYNCSCTNTXVA

Top Metro Areas by Place Specialization Score

Nashville, TNMetro

Volume 130Mix 45.61% of portfolio

76/100

Strong

Johnson City, TNMetro

Volume 58Mix 20.35% of portfolio

73/100

Strong

Kingsport, TN-VAMetro

Volume 25Mix 8.77% of portfolio

58/100

Sound

Top States by Place Specialization Score

TennesseeState

Volume 236Mix 82.81% of portfolio

78/100

Strong

North CarolinaState

Volume 33Mix 11.58% of portfolio

51/100

Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts

Pricing

Rate and fee competitiveness (33%)

10/ 30 pts

Pull Through

Reliability in closing loans (33%)

10/ 30 pts

Product

Specialization in the loan type (33%)

💎

Champion(80%+ = 24-30 points)

⭐

Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.