Applications / Mortgage Analytics / Lenders / Tennessee / Studio Bank
Nashville, TN · State member bank · FRS · $1.2 billion assets · 182 loans in 2025
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182
loans originated, 2025
249
applications, 2025
12
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Studio Bank, a Nashville bank that began reporting in 2021, makes loans more than twice the size of similar banks' and has held its ground in its home market.
Its typical loan, $455,000, was larger than at more than nine in ten similar lenders, meaning state member banks making between half and twice as many loans, whose typical loan was $175,000. Jumbo loans (larger than the conforming limit) made up 10.7% of its lending, against 1.5%. Its 182 loans came to $109.9 million, more than twice the peers' $48.5 million.
It first reported in 2021, with 565 loans, then fell to 249 in 2022 and has held between 172 and 182 since. Loans rose 6% in 2025, close to the peers' 8%. In Nashville it ranks 68 of 821 with a 0.3% share, unchanged, and it lends in 12 states.
It turned down 1.7% of decided home-purchase applications, against 7.4% at peers, lower than at all but a few of them. None of its loans was higher-priced, and its typical rate, 6.62%, was a little below the peers' 6.75%.
Only 11.9% of its loans went to low- and moderate-income borrowers, against 28.6% at peers. Its large loans, with a jumbo share about seven times its peers', may point to a wealthier clientele. Its share in majority-minority neighborhoods, 11.7%, was above the peers' 4.1%.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2021–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Studio Bank took 249 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 76.9% · Refinance 20.9% · Other 2.2%
Conventional 90.1% · FHA 7.1% · VA 2.7% · of 182 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Tennessee | 162 | 89.0% |
| Georgia | 3 | 1.6% |
| Florida | 2 | 1.1% |
| Kentucky | 2 | 1.1% |
| North Carolina | 2 | 1.1% |
| Pennsylvania | 2 | 1.1% |
| Texas | 2 | 1.1% |
| Alabama | 1 | 0.5% |
| Massachusetts | 1 | 0.5% |
| Missouri | 1 | 0.5% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Nashville-Davidson--Murfreesboro--Franklin | 141 |
| Chattanooga | 9 |
| Knoxville | 3 |
| Atlanta-Sandy Springs-Roswell | 2 |
| Clarksville | 2 |
| Memphis | 2 |
| Arlington-Alexandria-Reston | 1 |
| Asheville | 1 |
| Austin-Round Rock-San Marcos | 1 |
| Bowling Green | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300SMD444BM2WO947 | 2021–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 5205819 | 2022–2023 |
Established 14 June 2018. Reported under HMDA 2021-2025.
Mergers, name changes, data editions and corrections: Studio Bank's data.
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