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 score and performance metrics.

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 an overall pricing score of 46.3/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

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

The First National Bank of Middle Tennessee is a Bank headquartered in McMinnville, TN.

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The First National Bank of Middle Tennessee

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

The First National Bank of Middle Tennessee has 375 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

Sound

3/5

vs. all lenders

Pull-through

Strong

4/5

closing strength

Product

Strong

4/5

FHA · Conventional · VA · USDA

Place

Strong

4/5

Regional · 2 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Awards

FHA

Superstar

Summary

What They Do Well

Strong pull through performance
Particularly strong in FHA and VA and USDA loans

Explore another lender or local market

Report Card

The First National Bank of Middle Tennessee performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Sound

+19.2 bps above market avg

3/5

Pull Through

Closing strength

Strong

Top 40% of lenders

4/5

By Loan Product· Specialization by type

Conventional

198 loans · 0.23% above market

Sound

Top 60% of lenders

3/5

FHA

128 loans · 0.25% above market

Strong

Top 40% of lenders

4/5

29 loans · 0.41% below market

Strong

Top 40% of lenders

4/5

USDA

18 loans · 0.13% above market

Strong

Top 40% of lenders

4/5

By Loan Purpose· Transaction purpose mix

Purchase

320 loans · 0.17% above market

Sound

Top 60% of lenders

3/5

Refinance

55 loans · 0.30% above market

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

Regional · 3 markets

Strong

Top 40% of lenders

4/5

Loan Product Performance

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%Above	$2,816Fees
FHA Loans	Strong	Strong	Strong	Strong	128	34.1%	+0.248%Above	$2,479Fees
VA Loans	Strong	Strong	Strong	Strong	29	7.7%	-0.405%Below	$1,533Fees
USDA Loans	Strong	Strong	—	Strong	18	4.8%	+0.127%Above	$1,473Fees

Conventional

Overall

Sound

Product

Sound

Pricing

Acceptable

Pull Through

Sound

Volume198

Mix52.8%

Spread

+0.229%Above

Fees

$2,816Fees

FHA Loans

Overall

Strong

Product

Strong

Pricing

Strong

Pull Through

Strong

Volume128

Mix34.1%

Spread

+0.248%Above

Fees

$2,479Fees

VA Loans

Overall

Strong

Product

Strong

Pricing

Strong

Pull Through

Strong

Volume29

Mix7.7%

Spread

-0.405%Below

Fees

$1,533Fees

USDA Loans

Overall

Strong

Product

Strong

Pricing—

Pull Through

Strong

Volume18

Mix4.8%

Spread

+0.127%Above

Fees

$1,473Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Sound	Sound	Sound	320	85.3%	+0.170%Above	$2,544Fees
Refinance	Sound	Sound	Acceptable	Strong	55	14.7%	+0.300%Above	$2,738Fees

Purchase

Overall

Sound

Product

Sound

Pricing

Sound

Pull Through

Sound

Volume320

Mix85.3%

Spread

+0.170%Above

Fees

$2,544Fees

Refinance

Overall

Sound

Product

Sound

Pricing

Acceptable

Pull Through

Strong

Volume55

Mix14.7%

Spread

+0.300%Above

Fees

$2,738Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

375

Applications

458

Volume

$125 million

Pricing & Closing

Avg Rate Spread

+0.192%

vs. market APOR

Avg Net Fees

$2,576

Origination − Credits

Pullthrough Rate

81.9%

Applications → Closed

Typical Borrower

Avg Loan Amount

$333,480

Avg Borrower Income

$123,624

Avg Property Value

$441,507

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

5Full-year 2024 · HMDA

Loans originated

All statesNone

South4

ALGAKYTN

West1

Top Metro Areas by Place Specialization Score

Nashville, TNMetro

Volume 192Mix 51.20% of portfolio

81/100

Exceptional

Jackson, TNMetro

Volume 12Mix 3.20% of portfolio

47/100

Sound

Top States by Place Specialization Score

TennesseeState

Volume 371Mix 98.93% of portfolio

82/100

Exceptional

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 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.