Studio Bank Mortgage Lending & HMDA Data, 2022
In 2022, Studio Bank of Nashville, TN reported 365 mortgage applications totaling $184.6 million, down 49% from 2021. The average application was for $505,821, and applicants reported an average income of $218,162. 68% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Nashville-Davidson--Murfreesboro--Franklin, TN (308), Clarksville, TN-KY (9) and Atlanta-Sandy Springs-Roswell, GA (5) (applications in parentheses).
| Mortgage Company & Address | Studio Bank 124 12th Ave S #400 Nashville, TN 37203 |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 |
| Total Number of Mortgage Applications | 365 |
| Total Mortgage Loan Application Amount | $184,625,000 |
| Average Mortgage Loan Application Amount | $505,821 |
| Highest Mortgage Loan Application Amount | $3,245,000 |
| Average Applicant Income | $218,162 |
| Highest Applicant Income | $3,022,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Studio Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Nashville-Davidson--Murfreesboro--Franklin, TN | 308 | $ 157,910,000 | $ 512,694 | $ 221,000 |
| Outside any metro area | 13 | $ 6,115,000 | $ 470,384 | $ 183,666 |
| Clarksville, TN-KY | 9 | $ 3,625,000 | $ 402,777 | $ 86,777 |
| Atlanta-Sandy Springs-Roswell, GA | 5 | $ 2,795,000 | $ 559,000 | $ 198,000 |
| Knoxville, TN | 5 | $ 1,235,000 | $ 247,000 | $ 90,000 |
| Chattanooga, TN-GA | 4 | $ 460,000 | $ 115,000 | $ 172,000 |
| Crestview-Fort Walton Beach-Destin, FL | 3 | $ 1,615,000 | $ 538,333 | $ 150,000 |
| Memphis, TN-MS-AR | 3 | $ 2,735,000 | $ 911,666 | $ 238,000 |
| Louisville/Jefferson County, KY-IN | 2 | $ 500,000 | $ 250,000 | $ 134,000 |
| Provo-Orem, UT | 2 | $ 2,070,000 | $ 1,035,000 | $ 1,800,000 |
| Barnstable Town, MA | 1 | $ 645,000 | $ 645,000 | $ 393,000 |
| Beaumont-Port Arthur, TX | 1 | $ 405,000 | $ 405,000 | $ 288,000 |
| Charleston-North Charleston, SC | 1 | $ 525,000 | $ 525,000 | $ 169,000 |
| Dallas-Plano-Irving, TX | 1 | $ 475,000 | $ 475,000 | $ 130,000 |
| Daphne-Fairhope-Foley, AL | 1 | $ 175,000 | $ 175,000 | $ 79,000 |
| Denver-Aurora-Lakewood, CO | 1 | $ 365,000 | $ 365,000 | $ 66,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 325,000 | $ 325,000 | $ 123,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 485,000 | $ 485,000 | $ 217,000 |
| Mobile, AL | 1 | $ 995,000 | $ 995,000 | $ 0 |
| Panama City, FL | 1 | $ 545,000 | $ 545,000 | $ 152,000 |
| Punta Gorda, FL | 1 | $ 625,000 | $ 625,000 | $ 716,000 |
Mortgage Loan Application Detail Totals for Studio Bank in 2022
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 245 | $124,545,000 | $508,000 | $3,245,000 | $202,000 | $2,040,000 |
| Cash-out Refinancing | 70 | $33,140,000 | $473,000 | $2,405,000 | $219,000 | $3,022,000 |
| Refinancing | 47 | $26,045,000 | $554,000 | $2,525,000 | $283,000 | $1,800,000 |
| Other Purpose | 2 | $690,000 | $345,000 | $385,000 | $645,000 | $976,000 |
| Home Improvement | 1 | $205,000 | $205,000 | $205,000 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 243 | $122,275,000 | $503,000 | $2,005,000 | $220,000 | $3,022,000 |
| Not Provided | 47 | $25,625,000 | $545,000 | $2,525,000 | $241,000 | $900,000 |
| Not applicable | 35 | $17,455,000 | $498,000 | $3,245,000 | $0 | $0 |
| Black or African American | 19 | $8,425,000 | $443,000 | $885,000 | $209,000 | $1,213,000 |
| Asian | 11 | $6,045,000 | $549,000 | $955,000 | $196,000 | $329,000 |
| Hispanic | 7 | $2,235,000 | $319,000 | $405,000 | $127,000 | $288,000 |
| American Indian or Alaskan Native | 3 | $2,565,000 | $855,000 | $1,245,000 | $250,000 | $311,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 345 | $177,505,000 | $514,000 | $3,245,000 | $227,000 | $3,022,000 |
| FHA-insured (Federal Housing Administration) | 16 | $5,390,000 | $336,000 | $645,000 | $103,000 | $196,000 |
| VA-guaranteed (Veterans Administration) | 4 | $1,730,000 | $432,000 | $655,000 | $117,000 | $178,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 249 | $127,745,000 | $513,000 | $3,245,000 | $212,000 | $3,022,000 |
| Application Withdrawn By Applicant | 74 | $41,620,000 | $562,000 | $2,525,000 | $269,000 | $2,040,000 |
| Application Denied By Financial Institution | 16 | $6,910,000 | $431,000 | $1,005,000 | $141,000 | $406,000 |
| Loan Purchased By The Institution | 10 | $940,000 | $94,000 | $185,000 | $0 | $0 |
| File Closed For Incompleteness | 8 | $3,600,000 | $450,000 | $915,000 | $139,000 | $311,000 |
| Preapproval Approved but not Accepted | 6 | $2,930,000 | $488,000 | $645,000 | $187,000 | $288,000 |
| Application Approved But Not Accepted | 2 | $880,000 | $440,000 | $525,000 | $311,000 | $424,000 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 349 | $177,715,000 | $509,000 | $3,245,000 | $224,000 | $3,022,000 |
| Debt-To-Income Ratio | 8 | $3,130,000 | $391,000 | $805,000 | $138,000 | $406,000 |
| Collateral | 2 | $440,000 | $220,000 | $225,000 | $99,000 | $159,000 |
| Credit History | 2 | $1,180,000 | $590,000 | $855,000 | $198,000 | $323,000 |
| Unverifiable Information | 2 | $970,000 | $485,000 | $555,000 | $104,000 | $161,000 |
| Credit Application Incomplete | 1 | $185,000 | $185,000 | $185,000 | $59,000 | $59,000 |
| Employment History | 1 | $1,005,000 | $1,005,000 | $1,005,000 | $300,000 | $300,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Studio Bank's 2022 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Studio Bank's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Tennessee, download the full spreadsheet
with aggregated HMDA statistics today.
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