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The First National Bank of Middle Tennessee
Bank|McMinnville, TN|Regional
Loans Originated
375
Applications
458
Volume
$125 million
Offers loans directly to consumersSources loans from independent brokers
Overall Pricing
Sound
Overall Pull Through
Strong
Safe Rate Awards⭐FHA Superstar⭐VA Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.192%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$2,576
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
81.9%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Strong pull through performance
- Particularly strong in FHA and VA and USDA loans
Report Card
The First National Bank of Middle Tennessee performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Sound | Industry Standard | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Sound | Industry Standard | |
FHA | Strong | Highly Competitive | |
VA | Strong | Highly Competitive | |
USDA | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Sound | Industry Standard | |
Refinance | Sound | Industry Standard | |
Places Geographic coverage | Strong | Regional · 3 metro areas · 5 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$333,480
Average Borrower Income
$123,624
Average Property Value
$441,507
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Sound | Acceptable | Sound | 198 | 52.8% | +0.229% | $2,816 |
FHA Loans | Strong | Strong | Strong | Strong | 128 | 34.1% | +0.248% | $2,479 |
VA Loans | Strong | Strong | Strong | Strong | 29 | 7.7% | -0.405% | $1,533 |
USDA Loans | Strong | Strong | N/A | Strong | 18 | 4.8% | +0.127% | $1,473 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Sound | Sound | Sound | 320 | 85.3% | +0.170% | $2,544 |
Refinance | Sound | Sound | Acceptable | Strong | 55 | 14.7% | +0.300% | $2,738 |
Geographic Coverage
Metro Areas
2
States Served
5
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
ALGAKYNVTN
Top Metro Areas by Place Specialization Score
1
Nashville, TNMSA
Volume: 192Mix: 51.20%
Place Specialization
Exceptional
2
Jackson, TN, TNMSA
Volume: 12Mix: 3.20%
Place Specialization
Sound
Top States by Place Specialization Score
1
TNState
Volume: 371Mix: 98.93%
Place Specialization
Exceptional
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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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