Studio Bank
Studio Bank received 249 applications in 2025 and made 182 mortgages, in 44 counties across 14 states. The median rate its borrowers got was 6.625% on a median loan of $455,000. Of 191 decisions, 5 were denials — 2.6%, most often for debt-to-income ratio. 9 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 549300SMD444BM2WO947 |
|---|---|
| Applications received | 249 |
| Mortgages made | 182 |
| Denied | 5 |
| Approved, not taken up | 4 |
| Withdrawn or incomplete | 58 |
| Loans bought from other lenders | 8 |
| Median rate spread over the prime offer rate | 0.039 points |
| FDIC-insured bank | Yes: Studio Bank, 2 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 140 | 6.750% | $445,000 | 1.4% |
| Refinancing | 25 | 6.375% | $555,000 | 3.9% |
| Cash-out refinancing | 13 | 6.625% | $355,000 | 13.3% |
| Other purposes | 4 | Under 10 loans | Under 10 loans | 0.0% |
Where Studio Bank lends most
The 44 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Davidson County, TN | 78 | 6.612% | 4.7% |
| Williamson County, TN | 28 | 6.688% | 0.0% |
| Sumner County, TN | 17 | 6.500% | 5.6% |
| Hamilton County, TN | 8 | Under 10 loans | 0.0% |
| Wilson County, TN | 6 | Under 10 loans | 0.0% |
| Rutherford County, TN | 5 | Under 10 loans | 0.0% |
| Knox County, TN | 3 | Under 10 loans | 0.0% |
| Maury County, TN | 3 | Under 10 loans | 0.0% |
| Fulton County, GA | 2 | Under 10 loans | 0.0% |
| Cheatham County, TN | 2 | Under 10 loans | 0.0% |
| Shelby County, TN | 2 | Under 10 loans | 0.0% |
| Madison County, AL | 1 | Under 10 loans | 0.0% |
| Miami-Dade County, FL | 1 | Under 10 loans | 0.0% |
| Walton County, FL | 1 | Under 10 loans | 0.0% |
| Floyd County, GA | 1 | Under 10 loans | 0.0% |
| Christian County, KY | 1 | Under 10 loans | 0.0% |
| Warren County, KY | 1 | Under 10 loans | 0.0% |
| Berkshire County, MA | 1 | Under 10 loans | 0.0% |
| Jasper County, MO | 1 | Under 10 loans | 0.0% |
| Buncombe County, NC | 1 | Under 10 loans | 0.0% |
| Caldwell County, NC | 1 | Under 10 loans | 0.0% |
| Hamilton County, OH | 1 | Under 10 loans | 0.0% |
| Pike County, PA | 1 | Under 10 loans | 0.0% |
| York County, PA | 1 | Under 10 loans | 0.0% |
| Cocke County, TN | 1 | Under 10 loans | 0.0% |
| Dickson County, TN | 1 | Under 10 loans | 0.0% |
| Lawrence County, TN | 1 | Under 10 loans | 0.0% |
| Marion County, TN | 1 | Under 10 loans | 0.0% |
| Montgomery County, TN | 1 | Under 10 loans | 0.0% |
| Pickett County, TN | 1 | Under 10 loans | 0.0% |
| Rhea County, TN | 1 | Under 10 loans | 0.0% |
| Robertson County, TN | 1 | Under 10 loans | 0.0% |
| Warren County, TN | 1 | Under 10 loans | 0.0% |
| Washington County, TN | 1 | Under 10 loans | 0.0% |
| Harris County, TX | 1 | Under 10 loans | 0.0% |
| Williamson County, TX | 1 | Under 10 loans | 0.0% |
| Alexandria city, VA | 1 | Under 10 loans | 0.0% |
| Winston County, AL | 0 | Under 10 loans | Not published |
| Johnson County, KS | 0 | Under 10 loans | Not published |
| Suffolk County, MA | 0 | Under 10 loans | Not published |
| Ulster County, NY | 0 | Under 10 loans | Not published |
| Cannon County, TN | 0 | Under 10 loans | Not published |
| Grundy County, TN | 0 | Under 10 loans | Not published |
| Loudon County, TN | 0 | Under 10 loans | Not published |
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When Studio Bank’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.