First Horizon Bank Mortgage Rates, Fees & Info

Memphis, TN

LEI: COOWI3L2W9TPYR3WJX37

Tax ID: 62-0201385

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Mortgage Data

Bank Data

Review & Overview

First Horizon Bank is a small bank specializing in Home Purchase loans. First Horizon Bank has a high proportion of conventional loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Nashville, Knoxville, Memphis, Miami, and Chattanooga among others. We have data for 137 markets. (Some data included below & more in-depth data is available with an active subscription.)

First Horizon Bank has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. First Horizon Bank is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have relatively high rates.

We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
Home Equity Line of Credit (HELOC) 5.88% 4/22/24
30 Year Conventional Purchase 6.26% 4/22/24
30 Year Conventional Refi 6.33% 4/22/24
30 Year Cash-out Refi 6.65% 4/22/24
30 Year FHA Purchase 7.30% 4/22/24
30 Year FHA Refi 6.27% 4/22/24
30 Year VA Purchase 6.19% 4/22/24
30 Year VA Refi 5.84% 4/22/24
30 Year USDA Purchase 6.72% 4/22/24
30 Year USDA Refi 6.27% 4/22/24
15 Year Conventional Purchase 5.92% 4/22/24
15 Year Conventional Refi 6.04% 4/22/24
15 Year Cash-out Refi 6.04% 4/22/24
15 Year FHA Refi 5.68% 4/22/24
These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

First Horizon Bank Mortgage Calculator






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from First Horizon Bank. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.


Originations

5,153

Origination Dollar Volume (All Markets)

$1,498,485,000

Employee count

5,049 Show all (15) awards

Top Markets

Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

Market Originations Total Value Average Loan Average Fees Average Rate
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 1,263 $396,315,000 $313,789 $3,393 5.13%
KNOXVILLE, TN (FHA|USDA|VA) 572 $150,690,000 $263,444 $3,919 5.19%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 553 $119,865,000 $216,754 $3,723 5.42%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 109 $87,275,000 $800,688 $6,786 4.37%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 342 $80,260,000 $234,678 $3,114 5.26%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 249 $78,825,000 $316,566 $3,427 5.06%
Key West, FL (FHA|USDA|VA) 154 $75,710,000 $491,623 $6,097 4.42%
WINSTON-SALEM, NC (FHA|USDA|VA) 148 $35,300,000 $238,514 $2,799 4.88%
JOHNSON CITY, TN (FHA|USDA|VA) 170 $30,640,000 $180,235 $2,951 5.20%
KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 130 $30,060,000 $231,231 $3,343 5.06%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 70 $24,140,000 $344,857 $5,113 5.04%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 33 $21,805,000 $660,758 $6,336 4.58%
RALEIGH-CARY, NC (FHA|USDA|VA) 77 $20,305,000 $263,701 $3,332 5.15%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 103 $18,575,000 $180,340 $3,728 5.33%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 15 $18,235,000 $1,215,667 $7,666 4.15%
Outside of Metro Areas 79 $17,625,000 $223,101 $3,688 5.27%
JACKSON, TN (FHA|USDA|VA) 44 $16,640,000 $378,182 $3,325 4.68%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 9 $13,935,000 $1,548,333 $9,401 4.46%
MORRISTOWN, TN (FHA|USDA|VA) 66 $13,570,000 $205,606 $3,829 5.40%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 21 $12,965,000 $617,381 $3,995 4.45%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 28 $12,600,000 $450,000 $4,286 4.86%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 68 $12,000,000 $176,471 $3,377 5.13%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 36 $11,600,000 $322,222 $3,306 4.79%
FAYETTEVILLE, NC (FHA|USDA|VA) 44 $10,130,000 $230,227 $4,492 3.94%
JACKSONVILLE, FL (FHA|USDA|VA) 12 $9,490,000 $790,833 $5,655 4.10%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 3 $8,955,000 $2,985,000 $17,013 4.04%
Cookeville, TN (FHA|USDA|VA) 62 $8,800,000 $141,935 $2,970 5.55%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 36 $8,690,000 $241,389 $4,205 4.92%
ASHEVILLE, NC (FHA|USDA|VA) 25 $8,145,000 $325,800 $3,258 4.82%
Greeneville, TN (FHA|USDA|VA) 69 $7,745,000 $112,246 $2,765 5.46%
Sevierville, TN (FHA|USDA|VA) 50 $7,680,000 $153,600 $3,922 5.53%
CLEVELAND, TN (FHA|USDA|VA) 51 $7,245,000 $142,059 $3,159 5.89%
Pinehurst-Southern Pines, NC (FHA|USDA|VA) 17 $5,995,000 $352,647 $5,799 4.35%
WILMINGTON, NC (FHA|USDA|VA) 2 $5,550,000 $2,775,000 $3,189 4.13%
SPARTANBURG, SC (FHA|USDA|VA) 15 $4,375,000 $291,667 $4,004 5.23%
COLUMBIA, SC (FHA|USDA|VA) 15 $4,145,000 $276,333 $3,111 4.59%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 11 $3,965,000 $360,455 $4,989 4.67%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 30 $3,560,000 $118,667 $3,052 5.42%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 3 $3,475,000 $1,158,333 $9,848 3.63%
RICHMOND, VA (FHA|USDA|VA) 9 $3,475,000 $386,111 $3,601 4.66%
BURLINGTON, NC (FHA|USDA|VA) 28 $3,160,000 $112,857 $3,499 5.33%
Georgetown, SC (FHA|USDA|VA) 6 $2,860,000 $476,667 $4,583 4.13%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 5 $2,835,000 $567,000 $4,676 3.97%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 7 $2,655,000 $379,286 $4,052 4.70%
DALTON, GA (FHA|USDA|VA) 6 $2,650,000 $441,667 $3,304 4.21%
Mount Airy, NC (FHA|USDA|VA) 23 $2,635,000 $114,565 $2,763 5.25%
Lewisburg, TN (FHA|USDA|VA) 17 $2,575,000 $151,471 $4,291 5.26%
Athens, TN (FHA|USDA|VA) 16 $2,410,000 $150,625 $2,425 5.05%
Boone, NC (FHA|USDA|VA) 10 $2,380,000 $238,000 $3,174 4.50%
Breckenridge, CO (FHA|USDA|VA) 1 $2,245,000 $2,245,000 $4,769 4.75%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 2 $2,140,000 $1,070,000 $5,490 3.88%
Tullahoma-Manchester, TN (FHA|USDA|VA) 9 $2,075,000 $230,556 $3,434 4.37%
GAINESVILLE, FL (FHA|USDA|VA) 4 $1,990,000 $497,500 $5,201 3.90%
LOUISVILLE, KY (FHA|USDA|VA) 6 $1,940,000 $323,333 $3,137 4.53%
Morehead City, NC (FHA|USDA|VA) 4 $1,790,000 $447,500 $4,234 4.93%
Lawrenceburg, TN (FHA|USDA|VA) 21 $1,705,000 $81,190 $2,840 5.67%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 6 $1,570,000 $261,667 $2,621 4.76%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 7 $1,565,000 $223,571 $3,653 4.93%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 3 $1,535,000 $511,667 $4,303 3.87%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 9 $1,465,000 $162,778 $3,936 5.05%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 4 $1,420,000 $355,000 $4,187 4.38%
PORT ST. LUCIE, FL (FHA|USDA|VA) 5 $1,385,000 $277,000 $3,891 4.48%
JACKSON, MS (FHA|USDA|VA) 3 $1,305,000 $435,000 $4,031 4.67%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 1 $1,285,000 $1,285,000 $7,073 3.75%
Crossville, TN (FHA|USDA|VA) 5 $1,185,000 $237,000 $3,271 4.95%
PROVO-OREM, UT (FHA|USDA|VA) 1 $1,135,000 $1,135,000 $4,268 3.63%
PANAMA CITY, FL (FHA|USDA|VA) 2 $1,100,000 $550,000 $7,829 4.63%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 1 $1,095,000 $1,095,000 $6,964 3.63%
Rockingham, NC (FHA|USDA|VA) 9 $1,065,000 $118,333 $2,928 5.40%
Calhoun, GA (FHA|USDA|VA) 1 $1,045,000 $1,045,000 $5,043 3.88%
GREENVILLE, NC (FHA|USDA|VA) 6 $1,030,000 $171,667 $2,735 4.17%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 1 $995,000 $995,000 $2,242 3.63%
Newport, TN (FHA|USDA|VA) 12 $970,000 $80,833 $2,672 5.76%
HUNTSVILLE, AL (FHA|USDA|VA) 4 $960,000 $240,000 $3,031 4.79%
PUNTA GORDA, FL (FHA|USDA|VA) 3 $945,000 $315,000 $6,267 4.72%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 2 $930,000 $465,000 $5,904 3.75%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 2 $920,000 $460,000 $3,678 5.14%
North Wilkesboro, NC (FHA|USDA|VA) 11 $905,000 $82,273 $3,050 6.08%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 2 $900,000 $450,000 $3,390 4.63%
Seneca, SC (FHA|USDA|VA) 2 $880,000 $440,000 $6,366 3.94%
Sanford, NC (FHA|USDA|VA) 11 $875,000 $79,545 $3,543 5.26%
ROANOKE, VA (FHA|USDA|VA) 2 $860,000 $430,000 $4,702 4.90%
BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) 2 $850,000 $425,000 $6,030 3.75%
DECATUR, AL (FHA|USDA|VA) 2 $830,000 $415,000 $3,154 3.75%
Jasper, IN (FHA|USDA|VA) 1 $795,000 $795,000 $2,821 3.63%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 2 $790,000 $395,000 $2,900 4.56%
GULFPORT-BILOXI, MS (FHA|USDA|VA) 3 $785,000 $261,667 $0 5.92%
Cullowhee, NC (FHA|USDA|VA) 3 $765,000 $255,000 $3,461 5.33%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 2 $750,000 $375,000 $3,207 4.84%
CHARLOTTESVILLE, VA (FHA|USDA|VA) 2 $730,000 $365,000 $3,596 3.87%
SAVANNAH, GA (FHA|USDA|VA) 1 $695,000 $695,000 $3,910 4.63%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 1 $685,000 $685,000 $2,692 3.38%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 2 $680,000 $340,000 $4,131 4.31%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 3 $655,000 $218,333 $1,985 4.48%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 4 $640,000 $160,000 $3,569 5.18%
McMinnville, TN (FHA|USDA|VA) 1 $565,000 $565,000 $3,832 3.88%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 3 $555,000 $185,000 $3,580 5.32%
KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) 1 $535,000 $535,000 $5,710 4.50%
SUMTER, SC (FHA|USDA|VA) 1 $515,000 $515,000 $3,583 4.00%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 2 $510,000 $255,000 $3,094 5.30%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 2 $500,000 $250,000 $3,856 4.13%
LYNCHBURG, VA (FHA|USDA|VA) 1 $485,000 $485,000 $3,489 3.75%
BOWLING GREEN, KY (FHA|USDA|VA) 1 $455,000 $455,000 $2,582 4.13%
Oxford, MS (FHA|USDA|VA) 1 $445,000 $445,000 $0 4.74%
Kalispell, MT (FHA|USDA|VA) 1 $415,000 $415,000 $3,857 3.75%
Bozeman, MT (FHA|USDA|VA) 1 $405,000 $405,000 $0 5.25%
Paris, TN (FHA|USDA|VA) 2 $390,000 $195,000 $3,353 4.71%
KANSAS CITY, MO-KS (FHA|USDA|VA) 2 $360,000 $180,000 $2,522 4.43%
Lumberton, NC (FHA|USDA|VA) 1 $355,000 $355,000 $0 4.75%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 3 $345,000 $115,000 $0 5.87%
Murray, KY (FHA|USDA|VA) 1 $335,000 $335,000 $0 4.57%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 1 $285,000 $285,000 $5,357 3.63%
Gaffney, SC (FHA|USDA|VA) 1 $265,000 $265,000 $3,168 3.88%
Albertville, AL (FHA|USDA|VA) 1 $265,000 $265,000 $0 5.80%
Durango, CO (FHA|USDA|VA) 1 $255,000 $255,000 $0 5.05%
MACON-BIBB COUNTY, GA (FHA|USDA|VA) 1 $245,000 $245,000 $3,554 4.50%
Brownsville, TN (FHA|USDA|VA) 1 $225,000 $225,000 $7,692 4.88%
MOBILE, AL (FHA|USDA|VA) 1 $205,000 $205,000 $1,982 3.63%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 1 $205,000 $205,000 $2,226 4.00%
Dayton, TN (FHA|USDA|VA) 2 $200,000 $100,000 $2,779 5.81%
Big Stone Gap, VA (FHA|USDA|VA) 1 $185,000 $185,000 $2,767 4.50%
Kill Devil Hills, NC (FHA|USDA|VA) 1 $175,000 $175,000 $0 4.30%
Shelby, NC (FHA|USDA|VA) 2 $170,000 $85,000 $2,697 6.28%
West Point, MS (FHA|USDA|VA) 1 $155,000 $155,000 $0 6.65%
Martin, TN (FHA|USDA|VA) 1 $155,000 $155,000 $2,627 4.00%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 1 $155,000 $155,000 $3,043 4.75%
SEBRING-AVON PARK, FL (FHA|USDA|VA) 1 $155,000 $155,000 $0 5.20%
Laurinburg, NC (FHA|USDA|VA) 1 $125,000 $125,000 $0 5.05%
Union, SC (FHA|USDA|VA) 1 $125,000 $125,000 $3,981 4.75%
Natchez, MS-LA (FHA|USDA|VA) 1 $65,000 $65,000 $0 5.75%
Starkville, MS (FHA|USDA|VA) 1 $65,000 $65,000 $0 6.25%
Summerville, GA (FHA|USDA|VA) 1 $55,000 $55,000 $0 4.50%
Wilson, NC (FHA|USDA|VA) 1 $55,000 $55,000 $0 6.70%
Shelbyville, TN (FHA|USDA|VA) 1 $55,000 $55,000 $0 7.00%
ST. LOUIS, MO-IL (FHA|USDA|VA) 1 $45,000 $45,000 $0 7.80%
Richmond-Berea, KY (FHA|USDA|VA) 1 $25,000 $25,000 $0 6.95%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 1 $25,000 $25,000 $0 6.70%
First Horizon Bank's top markets include Nashville, Knoxville, Memphis, Miami, and Chattanooga among others.

Their top states include:
  • Tennessee (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • North Carolina (FHA|USDA|VA)
  • South Carolina (FHA|USDA|VA)
  • Georgia (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    HELOC 2,627 $370,655,000 $141,094 n/a 6.07%
    Conventional 2,469 $1,114,535,000 $451,412 $3,824 4.12%
    VA 48 $12,050,000 $251,042 $5,952 3.57%
    USDA 9 $1,245,000 $138,333 $4,445 3.78%

    For 2019, First Horizon Bank's most frequently originated type of loan was HELOC, with 2,627 originations. Their 2nd most popular type was Conventional, with 2,469 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 1,926 $861,070,000 $447,077 $3,963 4.27%
    Cash Out Refi 1,128 $258,540,000 $229,202 $3,610 5.36%
    Home Improvement 854 $80,230,000 $93,946 $3,152 6.22%
    Other 751 $103,095,000 $137,277 $3,483 6.07%
    Refi 494 $195,550,000 $395,850 $3,733 4.40%

    For 2019, First Horizon Bank's most frequently cited loan purpose was Home Purchase, with 1,926 originations. The 2nd most popular reason was Cash Out Refi, with 1,128 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 4,448 $1,205,900,000 $271,111 $3,720 5.23%
    15 Year 313 $107,855,000 $344,585 $3,366 3.76%
    20 Year 212 $43,320,000 $204,340 $3,581 5.40%
    30+ year 84 $69,530,000 $827,738 $9,410 3.86%
    10 Year 70 $23,500,000 $335,714 $3,401 4.09%
    Other 18 $34,050,000 $1,891,667 $6,691 4.12%
    5 Year 8 $14,330,000 $1,791,250 $0 4.66%

    For 2019, First Horizon Bank's most frequently cited loan duration was 30 Year, with 4,448 originations. The 2nd most popular length was 15 Year, with 313 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 2,023 $927,725,000 $458,589
    $1k-2k 241 $57,745,000 $239,606
    $2k-3k 114 $75,170,000 $659,386
    $3k-4k 18 $6,860,000 $381,111
    $4k-5k 10 $5,040,000 $504,000
    $5k+ 4 $2,100,000 $525,000

    First Horizon Bank's average total fees were $3,720, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 2,023 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 1,369 $705,985,000 $515,694
    5-6% 1,252 $230,630,000 $184,209
    4-5% 1,187 $400,455,000 $337,367
    6-7% 973 $85,445,000 $87,816
    7-8% 308 $16,820,000 $54,610
    2.5-3% 35 $39,625,000 $1,132,143
    Over 8% 26 $1,430,000 $55,000
    <2.5% 2 $13,090,000 $6,545,000
    % 1 $5,005,000 $5,005,000

    During 2019, First Horizon Bank's average interest rate for loans was 5.23%, while their most frequently originated rate bucket for loans was 3-4%, with 1,369 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 1,693 $92,975,000 $54,917 $2,719 6.19%
    $100k-200k 1,276 $176,260,000 $138,135 $3,037 5.04%
    $200k-400k 1,053 $293,365,000 $278,599 $3,601 4.54%
    $400k-600k 498 $239,770,000 $481,466 $4,022 4.22%
    $600k-1MM 431 $329,865,000 $765,348 $4,577 4.02%
    $1MM+ 202 $366,250,000 $1,813,119 $7,240 3.96%

    2019 saw First Horizon Bank place emphasis on $100,000 or less loans with 1,693 originations, totaling $92,975,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $250k+ 1,206 $778,430,000 $645,464 $4,711 4.46%
    $50k or less 877 $79,845,000 $91,043 $2,868 5.52%
    $50k-75k 841 $103,885,000 $123,526 $3,266 5.39%
    $100k-150k 785 $153,085,000 $195,013 $3,639 5.32%
    $150k-250k 739 $228,785,000 $309,587 $3,913 4.87%
    $75k-100k 547 $78,095,000 $142,770 $3,613 5.47%

    First Horizon Bank lent most frequently to those with incomes in the $250k+ range, with 1,206 originations. The second most popular income band? $50k or less, with 877 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 1,414 $383,170,000 $270,983 $3,716 5.11%
    30-36% 935 $240,375,000 $257,086 $3,803 5.22%
    <20% 877 $301,195,000 $343,438 $3,818 4.80%
    42% 280 $55,520,000 $198,286 $3,783 5.57%
    39% 215 $54,665,000 $254,256 $4,190 5.28%
    40% 195 $48,695,000 $249,718 $4,200 5.39%
    37% 183 $40,825,000 $223,087 $3,837 5.29%
    41% 180 $41,630,000 $231,278 $4,268 5.51%
    38% 169 $44,465,000 $263,107 $3,742 5.13%
    36% 159 $38,845,000 $244,308 $3,355 5.10%
    43% 128 $33,870,000 $264,609 $3,662 5.12%
    44% 92 $33,100,000 $359,783 $4,298 5.03%
    50-60% 64 $38,080,000 $595,000 $5,127 4.53%
    >60% 51 $32,955,000 $646,176 $5,051 5.04%
    49% 36 $14,840,000 $412,222 $4,156 4.62%
    46% 32 $9,610,000 $300,313 $3,749 4.60%
    45% 31 $11,615,000 $374,677 $4,035 4.26%
    47% 30 $10,250,000 $341,667 $4,116 4.48%
    48% 28 $8,600,000 $307,143 $4,200 4.74%

    First Horizon Bank lent most frequently to those with DTI ratios of 20-30%, with 1,414 originations. The next most common DTI ratio? 30-36%, with 935 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 4,323 $1,184,285,000 $273,950 $3,872 5.14%
    Not provided 440 $169,390,000 $384,977 $3,893 4.90%
    Not applicable 34 $49,390,000 $1,452,647 $2,527 4.54%
    Black 193 $39,185,000 $203,031 $4,062 5.43%
    Asian 111 $37,375,000 $336,712 $3,604 4.48%
    Asian Indian 17 $10,455,000 $615,000 $3,824 4.49%
    American Indian 29 $5,825,000 $200,862 $3,310 5.09%
    Korean 1 $1,105,000 $1,105,000 $6,772 3.50%
    Other Asian 2 $1,050,000 $525,000 $3,694 3.94%
    Other Pacific Islander 1 $255,000 $255,000 $3,515 3.25%
    Native Hawaiian or Islander 1 $125,000 $125,000 $0 4.70%
    Filipino 1 $45,000 $45,000 $0 6.35%

    Approval Rates

    Total approvals of all applications
    78.53%

    First Horizon Bank has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    80.63%

    First Horizon Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 5,153 $1,498,485,000 $290,799

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Manufactured 1 $355,000 $355,000
    Multifamily:Site-Built 17 $40,085,000 $2,357,941
    Single Family (1-4 Units):Manufactured 60 $5,200,000 $86,667
    Single Family (1-4 Units):Site-Built 5,075 $1,452,845,000 $286,275

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 1,096 $142,890,000 $130,374 $3,232 5.80%
    40-60% 708 $191,620,000 $270,650 $3,732 4.99%
    60-80% 1,062 $453,200,000 $426,742 $4,252 4.50%
    80-100% 1,442 $652,960,000 $452,816 $3,732 4.34%
    Over 100% 10 $4,310,000 $431,000 $8,002 3.55%
    Under 20% 835 $53,505,000 $64,078 $2,918 6.41%

    Complaints

    Bank Name Product Issue 2019 CPFB Complaints % of Total Issues
    FIRST HORIZON BANK FHA mortgage Struggling to pay mortgage 1 6.7%
    FIRST HORIZON BANK Conventional home mortgage Trouble during payment process 4 26.7%
    FIRST HORIZON BANK VA mortgage Closing on a mortgage 1 6.7%
    FIRST HORIZON BANK Conventional home mortgage Struggling to pay mortgage 1 6.7%
    FIRST HORIZON BANK VA mortgage Applying for a mortgage or refinancing an existing mortgage 1 6.7%
    FIRST HORIZON BANK Other type of mortgage Trouble during payment process 1 6.7%
    FIRST HORIZON BANK Home equity loan or line of credit (HELOC) Trouble during payment process 3 20.0%
    FIRST HORIZON BANK Home equity loan or line of credit (HELOC) Closing on a mortgage 1 6.7%
    FIRST HORIZON BANK FHA mortgage Trouble during payment process 2 13.3%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    First Tennessee Bank, National Association 1 Cherokee Boulevard Chattanooga, TN 37405 Full Service B&M $72,327
    First Tennessee Bank, National Association 100 North Main Street Greeneville, TN 37743 Full Service B&M $38,644
    First Tennessee Bank, National Association 1001 North Main Street Carthage, TN 37030 Full Service B&M $24,080
    First Tennessee Bank, National Association 1002 E. Lamar Alexander Pkwy Maryville, TN 37804 Full Service B&M $53,019
    First Tennessee Bank, National Association 101 North Locust Avenue Lawrenceburg, TN 38464 Full Service B&M $116,175
    First Tennessee Bank, National Association 101 Sunset Avenue Asheboro, NC 27203 Full Service B&M $169,720
    First Tennessee Bank, National Association 10108 South Main Street Archdale, NC 27263 Full Service B&M $57,733
    First Tennessee Bank, National Association 10134 Two Notch Road Columbia, SC 29223 Full Service B&M $18,393
    First Tennessee Bank, National Association 102 East Washington Street Mebane, NC 27302 Full Service B&M $30,495
    First Tennessee Bank, National Association 102 Millstone Drive Hillsborough, NC 27278 Full Service B&M $45,192
    First Tennessee Bank, National Association 1030 South Highway 92 Dandridge, TN 37725 Full Service B&M $103,152
    First Tennessee Bank, National Association 103330 Overseas Highway Key Largo, FL 33037 Full Service B&M $44,549
    First Tennessee Bank, National Association 105 Post Office Street King, NC 27021 Full Service B&M $31,366
    First Tennessee Bank, National Association 106 East Taft Street Asheboro, NC 27203 Full Service B&M $35,654
    First Tennessee Bank, National Association 10606 Hardin Valley Road Knoxville, TN 37932 Full Service B&M $33,696
    First Tennessee Bank, National Association 1099 N Tamiami Trail Nokomis, FL 34275 Full Service B&M $66,572
    First Tennessee Bank, National Association 1112 West First North Street Morristown, TN 37814 Full Service B&M $276,299
    First Tennessee Bank, National Association 1115 Stonecrest Blvd Tega Cay, SC 29708 Full Service B&M $112,858
    First Tennessee Bank, National Association 112 South Hall Road Alcoa, TN 37701 Full Service B&M $86,672
    First Tennessee Bank, National Association 1128 South Main Street Graham, NC 27253 Full Service B&M $44,180
    First Tennessee Bank, National Association 11401 Overseas Highway Marathon, FL 33050 Full Service B&M $38,022
    First Tennessee Bank, National Association 1151 Falls River Ave Raleigh, NC 27614 Full Service B&M $31,094
    First Tennessee Bank, National Association 1155 Volunteer Pkwy Bristol, TN 37620 Full Service B&M $70,549
    First Tennessee Bank, National Association 11610 U.S. Hwy 70 Arlington, TN 38002 Full Service B&M $16,897
    First Tennessee Bank, National Association 11685 Parkside Drive Knoxville, TN 37934 Full Service B&M $80,602
    First Tennessee Bank, National Association 1182 West Poplar Avenue Collierville, TN 38017 Full Service B&M $211,139
    First Tennessee Bank, National Association 11864 Kingston Pike Knoxville, TN 37934 Full Service B&M $120,440
    First Tennessee Bank, National Association 1207 Kildaire Farm Road Cary, NC 27511 Full Service B&M $58,230
    First Tennessee Bank, National Association 1207 South Main Street Kernersville, NC 27284 Full Service B&M $36,453
    First Tennessee Bank, National Association 121 Alhambra Plaza Coral Gables, FL 33134 Full Service B&M $37,047
    First Tennessee Bank, National Association 121 Kirkwood, N.E. Knoxville, TN 37914 Full Service B&M $58,003
    First Tennessee Bank, National Association 1214 Murfreesboro Road Franklin, TN 37064 Full Service B&M $105,079
    First Tennessee Bank, National Association 12205 Metro Parkway Fort Myers, FL 33912 Full Service B&M $22,662
    First Tennessee Bank, National Association 12217 Capital Boulevard Wake Forest, NC 27587 Full Service B&M $32,202
    First Tennessee Bank, National Association 123 West Thompson Lane Murfreesboro, TN 37129 Full Service B&M $31,863
    First Tennessee Bank, National Association 1249 East Shelby Drive Memphis, TN 38116 Limited, Drive-thru $8,295
    First Tennessee Bank, National Association 1249 Ridgeway Road Memphis, TN 38119 Full Service B&M $44,745
    First Tennessee Bank, National Association 125 North First Avenue Lewisburg, TN 37091 Full Service B&M $46,954
    First Tennessee Bank, National Association 1260 North Arendell Avenue Zebulon, NC 27597 Full Service B&M $18,583
    First Tennessee Bank, National Association 12701 Us Highway 70 West Clayton, NC 27520 Full Service B&M $16,128
    First Tennessee Bank, National Association 130 North Steele Street Sanford, NC 27330 Full Service B&M $43,204
    First Tennessee Bank, National Association 1305 Decatur Pike Athens, TN 37303 Full Service B&M $50,867
    First Tennessee Bank, National Association 1307 Taft Highway Signal Mountain, TN 37377 Full Service B&M $67,833
    First Tennessee Bank, National Association 1310 West Arlington Boulevard Greenville, NC 27834 Full Service B&M $34,108
    First Tennessee Bank, National Association 1320 Main Street Columbia, SC 29201 Full Service B&M $59,566
    First Tennessee Bank, National Association 1338 Union Avenue Memphis, TN 38104 Full Service B&M $104,712
    First Tennessee Bank, National Association 1350 Broad Street Chattanooga, TN 37402 Limited, Drive-thru $2,057
    First Tennessee Bank, National Association 1351 Norwood Street, S.W. Lenoir, NC 28645 Full Service B&M $35,959
    First Tennessee Bank, National Association 137 Harrison Lane Soddy Daisy, TN 37379 Full Service B&M $56,240
    First Tennessee Bank, National Association 1390 South Dixie Highway Coral Gables, FL 33156 Full Service B&M $147,042
    First Tennessee Bank, National Association 1404-08 James M. Campbell Boulevard Columbia, TN 38401 Full Service B&M $50,581
    First Tennessee Bank, National Association 1420 2nd Street, Ne Hickory, NC 28601 Full Service B&M $183,976
    First Tennessee Bank, National Association 1439 West Memorial Highway Union Grove, NC 28689 Full Service B&M $48,294
    First Tennessee Bank, National Association 14499 South Dixie Highway Miami, FL 33176 Full Service B&M $53,191
    First Tennessee Bank, National Association 1500 W. State Of Franklin Johnson City, TN 37604 Full Service B&M $73,648
    First Tennessee Bank, National Association 1505 Highwoods Boulevard Greensboro, NC 27410 Full Service B&M $108,957
    First Tennessee Bank, National Association 15280 Mcgregor Boulevard Fort Myers, FL 33908 Full Service B&M $71,238
    First Tennessee Bank, National Association 154 Cason Lane Murfreesboro, TN 37128 Full Service B&M $50,878
    First Tennessee Bank, National Association 1615 West Main Street Lebanon, TN 37087 Full Service B&M $69,892
    First Tennessee Bank, National Association 165 Madison Avenue Memphis, TN 38103 Full Service B&M $7,886,386
    First Tennessee Bank, National Association 1670 Springplace Road Cleveland, TN 37311 Full Service B&M $31,761
    First Tennessee Bank, National Association 1751 Hendersonville Road Asheville, NC 28803 Full Service B&M $91,054
    First Tennessee Bank, National Association 1766 Lamar Alexander Parkway Maryville, TN 37801 Full Service B&M $40,010
    First Tennessee Bank, National Association 1790 East Venice Avenue Venice, FL 34285 Full Service B&M $48,433
    First Tennessee Bank, National Association 1805 Madison Avenue Clarksville, TN 37043 Full Service B&M $20,412
    First Tennessee Bank, National Association 1815 Downtown West Knoxville, TN 37919 Full Service B&M $110,999
    First Tennessee Bank, National Association 1820 West Broadway Maryville, TN 37801 Full Service B&M $415,827
    First Tennessee Bank, National Association 1829 East Broad Street Statesville, NC 28625 Full Service B&M $32,249
    First Tennessee Bank, National Association 1832 West Cumberland Avenue, Unit 100 Knoxville, TN 37916 Full Service B&M $53,831
    First Tennessee Bank, National Association 1845 Kirby Parkway Germantown, TN 38138 Full Service B&M $141,675
    First Tennessee Bank, National Association 1921 Walnut Street White Pine, TN 37890 Full Service B&M $30,990
    First Tennessee Bank, National Association 200 North Main Street China Grove, NC 28023 Full Service B&M $47,131
    First Tennessee Bank, National Association 200 West 7th Street Columbia, TN 38401 Full Service B&M $51,042
    First Tennessee Bank, National Association 200 Williamsboro Street Oxford, NC 27565 Full Service B&M $56,608
    First Tennessee Bank, National Association 2001 East Twenty-Third Street Chattanooga, TN 37404 Full Service B&M $66,194
    First Tennessee Bank, National Association 201 East Meeting Street Morganton, NC 28655 Full Service B&M $45,811
    First Tennessee Bank, National Association 2015 East Brooks Road Memphis, TN 38116 Full Service B&M $30,650
    First Tennessee Bank, National Association 202 East Washington Street Rockingham, NC 28379 Full Service B&M $55,319
    First Tennessee Bank, National Association 202 Franklin Road Brentwood, TN 37027 Full Service B&M $217,919
    First Tennessee Bank, National Association 202 South Main Street Saint Joseph, TN 38481 Full Service B&M $28,152
    First Tennessee Bank, National Association 20295 N.E. 29th Place Aventura, FL 33180 Full Service B&M $68,780
    First Tennessee Bank, National Association 204 East Main Street Seagrove, NC 27341 Full Service B&M $37,638
    First Tennessee Bank, National Association 2055 S. Houston-Levee Rd Germantown, TN 38139 Full Service B&M $66,125
    First Tennessee Bank, National Association 206 North Main Street Greeneville, TN 37745 Full Service B&M $178,680
    First Tennessee Bank, National Association 206 South Highway 27 Stanley, NC 28164 Full Service B&M $21,612
    First Tennessee Bank, National Association 207 East Main Street Senatobia, MS 38668 Full Service B&M $54,769
    First Tennessee Bank, National Association 2076 North Highland Avenue Jackson, TN 38305 Full Service B&M $28,161
    First Tennessee Bank, National Association 2076 Town Center Boulevard Knoxville, TN 37922 Full Service B&M $91,352
    First Tennessee Bank, National Association 208-210 West Main Street Waverly, TN 37185 Full Service B&M $42,740
    First Tennessee Bank, National Association 210 Gay Street Erwin, TN 37650 Full Service B&M $45,043
    First Tennessee Bank, National Association 210 Knob Hill Road Mooresville, NC 28117 Full Service B&M $45,580
    First Tennessee Bank, National Association 210 West Main Street Rogersville, TN 37857 Full Service B&M $50,912
    First Tennessee Bank, National Association 211 Franklin Road, Suite 300 Brentwood, TN 37027 Full Service B&M $92,243
    First Tennessee Bank, National Association 2112 North Roan Street Johnson City, TN 37601 Full Service B&M $512,516
    First Tennessee Bank, National Association 2115 Abbott Martin Road Nashville, TN 37215 Full Service B&M $41,147
    First Tennessee Bank, National Association 211o Rosa L. Parks Blvd Nashville, TN 37228 Full Service B&M $16,794
    First Tennessee Bank, National Association 2121 Emory Road Powell, TN 37849 Full Service B&M $67,209
    First Tennessee Bank, National Association 2127 Clark Avenue Raleigh, NC 27605 Full Service B&M $70,515
    First Tennessee Bank, National Association 2143 East Broadway Maryville, TN 37804 Full Service B&M $54,173
    First Tennessee Bank, National Association 215 North Pine Street Spartanburg, SC 29302 Full Service B&M $105,788
    First Tennessee Bank, National Association 216 Indian Lake Blvd. Hendersonville, TN 37075 Full Service B&M $77,045
    First Tennessee Bank, National Association 2173 Northgate Park Lane Chattanooga, TN 37415 Full Service B&M $130,951
    First Tennessee Bank, National Association 2200 Hillsboro Road Franklin, TN 37069 Full Service B&M $43,594
    First Tennessee Bank, National Association 222 Old Gray Station Road Gray, TN 37615 Full Service B&M $33,667
    First Tennessee Bank, National Association 2220 12th Avenue, N.E. Hickory, NC 28601 Full Service B&M $39,649
    First Tennessee Bank, National Association 2221 Hamilton Place Boulevard Chattanooga, TN 37421 Full Service B&M $111,316
    First Tennessee Bank, National Association 225 Faith Road Salisbury, NC 28146 Full Service B&M $26,265
    First Tennessee Bank, National Association 225 Green Street Fayetteville, NC 28301 Full Service B&M $63,629
    First Tennessee Bank, National Association 225 Hanes Mill Road Winston Salem, NC 27105 Full Service B&M $39,551
    First Tennessee Bank, National Association 227 South Main Street Graham, NC 27253 Full Service B&M $65,823
    First Tennessee Bank, National Association 2284 Lamar Avenue Memphis, TN 38114 Full Service B&M $23,897
    First Tennessee Bank, National Association 23 N. Main Street Granite Falls, NC 28630 Full Service B&M $38,954
    First Tennessee Bank, National Association 23 White Bridge Road Nashville, TN 37205 Full Service B&M $54,612
    First Tennessee Bank, National Association 231 Public Square Franklin, TN 37064 Full Service B&M $107,492
    First Tennessee Bank, National Association 2329 East Morris Boulevard Morristown, TN 37813 Full Service B&M $41,400
    First Tennessee Bank, National Association 2348 Overseas Highway Marathon, FL 33050 Full Service B&M $39,680
    First Tennessee Bank, National Association 235 East Center Street Kingsport, TN 37660 Full Service B&M $200,709
    First Tennessee Bank, National Association 2360 Murfreesboro Pike Nashville, TN 37217 Full Service B&M $30,097
    First Tennessee Bank, National Association 240 Nokomis Avenue South Venice, FL 34285 Full Service B&M $55,122
    First Tennessee Bank, National Association 2400 Memorial Boulevard Kingsport, TN 37664 Full Service B&M $73,962
    First Tennessee Bank, National Association 2432 Mckee Road Matthews, NC 28105 Full Service B&M $46,364
    First Tennessee Bank, National Association 249 West Main Street Lebanon, TN 37087 Full Service B&M $44,227
    First Tennessee Bank, National Association 25 Jefferson Street Clarksville, TN 37040 Full Service B&M $43,719
    First Tennessee Bank, National Association 25 Third Street, N.W. Hickory, NC 28601 Full Service B&M $112,913
    First Tennessee Bank, National Association 2541 Eastchester Drive High Point, NC 27265 Full Service B&M $35,309
    First Tennessee Bank, National Association 255 East Independence Boulevard Mount Airy, NC 27030 Full Service B&M $107,888
    First Tennessee Bank, National Association 2924 N Nc Hwy 16 Millers Creek, NC 28651 Full Service B&M $32,273
    First Tennessee Bank, National Association 2621 Lebanon Road Nashville, TN 37214 Full Service B&M $53,808
    First Tennessee Bank, National Association 2625 Northwest Boulevard Newton, NC 28658 Full Service B&M $55,118
    First Tennessee Bank, National Association 2680 Reidville Road Spartanburg, SC 29301 Full Service B&M $33,156
    First Tennessee Bank, National Association 2750 North Germantown Parkway Memphis, TN 38133 Full Service B&M $116,613
    First Tennessee Bank, National Association 2786 Wilma Rudolph Boulevard Clarksville, TN 37040 Full Service B&M $21,891
    First Tennessee Bank, National Association 2841 East Andrew Johnson Highway Greeneville, TN 37745 Full Service B&M $116,764
    First Tennessee Bank, National Association 2841 Highway 421 West Wilkesboro, NC 28697 Full Service B&M $45,021
    First Tennessee Bank, National Association 2877 Medical Center Parkway Murfreesboro, TN 37130 Full Service B&M $18,230
    First Tennessee Bank, National Association 2900 Highway 127 South Hickory, NC 28602 Full Service B&M $27,413
    First Tennessee Bank, National Association 2900 North Broadway Knoxville, TN 37917 Full Service B&M $34,963
    First Tennessee Bank, National Association 2916 Highway 31 West White House, TN 37188 Full Service B&M $52,013
    First Tennessee Bank, National Association 2917 S. Horner Boulevard Sanford, NC 27332 Full Service B&M $41,845
    First Tennessee Bank, National Association 300 East Main Street Sevierville, TN 37862 Full Service B&M $121,379
    First Tennessee Bank, National Association 300 East Raleigh Street Siler City, NC 27344 Full Service B&M $72,585
    First Tennessee Bank, National Association 3009 Post Oak Blvd, Suite120 Houston, TX 77056 Full Service B&M $113,942
    First Tennessee Bank, National Association 301 South Mcdowell Street, Suite 100 Charlotte, NC 28204 Full Service B&M $250,710
    First Tennessee Bank, National Association 3011 West End Avenue Nashville, TN 37203 Full Service B&M $52,555
    First Tennessee Bank, National Association 3038 Columbia Avenue Franklin, TN 37064 Full Service B&M $46,884
    First Tennessee Bank, National Association 30400 Overseas Highway Big Pine Key, FL 33043 Full Service B&M $42,209
    First Tennessee Bank, National Association 305 W. Northfield Blvd Murfreesboro, TN 37129 Full Service B&M $332,447
    First Tennessee Bank, National Association 3090 Boiling Springs Road Boiling Springs, SC 29316 Full Service B&M $49,758
    First Tennessee Bank, National Association 3100 Edwards Mill Road Raleigh, NC 27608 Full Service B&M $47,295
    First Tennessee Bank, National Association 3104 Teaster Lane Pigeon Forge, TN 37863 Full Service B&M $32,660
    First Tennessee Bank, National Association 315 Poplar Avenue Memphis, TN 38103 Limited, Drive-thru $64
    First Tennessee Bank, National Association 3151 Peters Creek Parkway Winston Salem, NC 27127 Full Service B&M $23,465
    First Tennessee Bank, National Association 3180 Perkins Road Memphis, TN 38118 Full Service B&M $68,076
    First Tennessee Bank, National Association 3212 Goodman Road Southaven, MS 38672 Full Service B&M $29,107
    First Tennessee Bank, National Association 3225 Austin Peay Highway Memphis, TN 38128 Full Service B&M $58,220
    First Tennessee Bank, National Association 3230 Peoples Street Johnson City, TN 37604 Full Service B&M $66,429
    First Tennessee Bank, National Association 324 Cedar Bluff Road Knoxville, TN 37923 Full Service B&M $64,202
    First Tennessee Bank, National Association 325 Leola Street Boone, NC 28607 Full Service B&M $49,160
    First Tennessee Bank, National Association 325 Oil Well Road Jackson, TN 38305 Full Service B&M $190,472
    First Tennessee Bank, National Association 330 Mayfield Drive Franklin, TN 37067 Full Service B&M $43,667
    First Tennessee Bank, National Association 330 Whitehead Street Key West, FL 33041 Full Service B&M $164,952
    First Tennessee Bank, National Association 333 Fayetteville Street Raleigh, NC 27601 Full Service B&M $66,572
    First Tennessee Bank, National Association 3391 North Watkins Street Memphis, TN 38127 Full Service B&M $40,037
    First Tennessee Bank, National Association 3401 Pelham Road Greenville, SC 29615 Full Service B&M $21,904
    First Tennessee Bank, National Association 3405 Hancock Bridge Parkway North Fort Myers, FL 33903 Full Service B&M $33,825
    First Tennessee Bank, National Association 3409 Poplar Avenue Memphis, TN 38111 Full Service B&M $97,692
    First Tennessee Bank, National Association 345 South Jefferson Avenue Cookeville, TN 38501 Full Service B&M $265,649
    First Tennessee Bank, National Association 3466 South Church Street Burlington, NC 27215 Full Service B&M $38,840
    First Tennessee Bank, National Association 3518 Gallatin Pike Nashville, TN 37216 Full Service B&M $41,166
    First Tennessee Bank, National Association 3604 Tennessee Ave Chattanooga, TN 37409 Full Service B&M $50,918
    First Tennessee Bank, National Association 3610 West Andrew Johnson Highway Morristown, TN 37814 Full Service B&M $20,490
    First Tennessee Bank, National Association 3618 North Roosevelt Boulevard Key West, FL 33040 Full Service B&M $32,689
    First Tennessee Bank, National Association 3685 Sw Cary Pkwy Cary, NC 27513 Full Service B&M $40,717
    First Tennessee Bank, National Association 380 Plaza Road Laurinburg, NC 28352 Full Service B&M $19,759
    First Tennessee Bank, National Association 3870 Keith Street, Nw Cleveland, TN 37312 Full Service B&M $225,218
    First Tennessee Bank, National Association 389 West Jackson Street Cookeville, TN 38501 Full Service B&M $49,344
    First Tennessee Bank, National Association 3900 Western Avenue Knoxville, TN 37921 Full Service B&M $42,610
    First Tennessee Bank, National Association 3920 Sharon Road, Suite B-140 Charlotte, NC 28211 Full Service B&M $46,044
    First Tennessee Bank, National Association 3932 Dayton Boulevard Chattanooga, TN 37415 Full Service B&M $56,510
    First Tennessee Bank, National Association 401 South Mt Juliet Road, Suite 133 Mount Juliet, TN 37122 Full Service B&M $60,995
    First Tennessee Bank, National Association 401 West Jackson Blvd Jonesborough, TN 37659 Full Service B&M $75,255
    First Tennessee Bank, National Association 4014 Hillsboro Pike Nashville, TN 37215 Full Service B&M $79,047
    First Tennessee Bank, National Association 4180 Elvis Presley Boulevard Memphis, TN 38116 Full Service B&M $81,964
    First Tennessee Bank, National Association 420 Highway 52 West Portland, TN 37148 Full Service B&M $26,678
    First Tennessee Bank, National Association 429 West Main Street Hendersonville, TN 37075 Full Service B&M $145,807
    First Tennessee Bank, National Association 4301 Fort Henry Drive Kingsport, TN 37663 Full Service B&M $45,241
    First Tennessee Bank, National Association 4309 North Roan Street Johnson City, TN 37615 Full Service B&M $28,268
    First Tennessee Bank, National Association 4330 Summer Avenue Memphis, TN 38122 Full Service B&M $67,490
    First Tennessee Bank, National Association 440 Highway 52 Bypass West Lafayette, TN 37083 Full Service B&M $41,639
    First Tennessee Bank, National Association 4410 White's Creek Whites Creek, TN 37189 Full Service B&M $37,315
    First Tennessee Bank, National Association 4416 Chapman Highway Knoxville, TN 37920 Full Service B&M $72,883
    First Tennessee Bank, National Association 4430 Highway 58 Chattanooga, TN 37416 Full Service B&M $49,384
    First Tennessee Bank, National Association 445 South Main Street Burlington, NC 27215 Full Service B&M $76,582
    First Tennessee Bank, National Association 462 New Leicester Highway Asheville, NC 28806 Full Service B&M $34,570
    First Tennessee Bank, National Association 4655 Poplar Avenue Memphis, TN 38117 Full Service B&M $89,144
    First Tennessee Bank, National Association 469 W Bockman Way Sparta, TN 38583 Full Service B&M $59,588
    First Tennessee Bank, National Association 4699 Nob Hill Road Sunrise, FL 33351 Full Service B&M $39,591
    First Tennessee Bank, National Association 4701 Country Club Road Winston Salem, NC 27104 Full Service B&M $74,081
    First Tennessee Bank, National Association 471 Sam Ridley Parkway Smyrna, TN 37167 Full Service B&M $39,902
    First Tennessee Bank, National Association 4771 Lebanon Pike Hermitage, TN 37076 Full Service B&M $52,309
    First Tennessee Bank, National Association 4801 Glenwood Avenue Raleigh, NC 27612 Full Service B&M $555,761
    First Tennessee Bank, National Association 4805 Kingston Pike Knoxville, TN 37919 Full Service B&M $110,414
    First Tennessee Bank, National Association 4820 North Federal Highway Lighthouse Point, FL 33064 Full Service B&M $135,586
    First Tennessee Bank, National Association 4840 Forest Drive Columbia, SC 29206 Full Service B&M $35,545
    First Tennessee Bank, National Association 4841 Ramsey Street Fayetteville, NC 28311 Full Service B&M $20,547
    First Tennessee Bank, National Association 4928 Highway 704 West Sandy Ridge, NC 27046 Full Service B&M $34,456
    First Tennessee Bank, National Association 4938 Columbia Pike Spring Hill, TN 37174 Full Service B&M $88,677
    First Tennessee Bank, National Association 495 Pinehurst Avenue Southern Pines, NC 28387 Full Service B&M $29,868
    First Tennessee Bank, National Association 4990 Poplar Avenue Memphis, TN 38117 Full Service B&M $131,896
    First Tennessee Bank, National Association 500 East Commerce Street Hernando, MS 38632 Full Service B&M $28,939
    First Tennessee Bank, National Association 500 South Stratford Road Winston Salem, NC 27103 Full Service B&M $166,257
    First Tennessee Bank, National Association 502 Merchants Drive Knoxville, TN 37912 Full Service B&M $71,296
    First Tennessee Bank, National Association 503 Asheville Highway Greeneville, TN 37743 Full Service B&M $31,928
    First Tennessee Bank, National Association 503 Huffman Mill Road Burlington, NC 27215 Full Service B&M $43,084
    First Tennessee Bank, National Association 503 Winston Road Jonesville, NC 28642 Full Service B&M $36,584
    First Tennessee Bank, National Association 5038 Alabama Highway Ringgold, GA 30736 Full Service B&M $40,996
    First Tennessee Bank, National Association 5052 Navy Road Millington, TN 38053 Full Service B&M $62,203
    First Tennessee Bank, National Association 506 Cape Coral Parkway Cape Coral, FL 33904 Full Service B&M $93,184
    First Tennessee Bank, National Association 509 Wilkesboro Boulevard, N.E. Lenoir, NC 28645 Full Service B&M $41,734
    First Tennessee Bank, National Association 510 Highway 321 North Lenoir City, TN 37771 Full Service B&M $30,590
    First Tennessee Bank, National Association 511 Union Street Nashville, TN 37219 Full Service B&M $1,964,717
    First Tennessee Bank, National Association 521 Del Prado Boulevard Cape Coral, FL 33990 Full Service B&M $52,282
    First Tennessee Bank, National Association 5211 Mufreesboro Road La Vergne, TN 37086 Full Service B&M $38,289
    First Tennessee Bank, National Association 5225 North Broadway Knoxville, TN 37918 Full Service B&M $67,830
    First Tennessee Bank, National Association 532 East Main Street Yadkinville, NC 27055 Full Service B&M $38,498
    First Tennessee Bank, National Association 537 Main Street Hudson, NC 28638 Full Service B&M $35,165
    First Tennessee Bank, National Association 5401 Ringgold Road Chattanooga, TN 37412 Full Service B&M $62,641
    First Tennessee Bank, National Association 5526 Brainerd Road Chattanooga, TN 37411 Full Service B&M $47,893
    First Tennessee Bank, National Association 5914 Highway 58 Harrison, TN 37341 Full Service B&M $59,435
    First Tennessee Bank, National Association 5931 Stage Road Bartlett, TN 38134 Full Service B&M $99,313
    First Tennessee Bank, National Association 599 9th Street Naples, FL 34102 Full Service B&M $70,959
    First Tennessee Bank, National Association 602 Cosby Highway Newport, TN 37821 Full Service B&M $35,247
    First Tennessee Bank, National Association 615 Goodman Road East Southaven, MS 38671 Full Service B&M $258,950
    First Tennessee Bank, National Association 616 North Kentucky Street Kingston, TN 37763 Full Service B&M $50,450
    First Tennessee Bank, National Association 616 South Key Street Pilot Mountain, NC 27041 Full Service B&M $40,101
    First Tennessee Bank, National Association 619 Ayersville Road Madison, NC 27025 Full Service B&M $14,547
    First Tennessee Bank, National Association 6290 Towncenter Drive Clemmons, NC 27012 Full Service B&M $36,671
    First Tennessee Bank, National Association 635 Thompson Lane Nashville, TN 37204 Full Service B&M $59,992
    First Tennessee Bank, National Association 6435 Naples Boulevard Naples, FL 34109 Full Service B&M $160,618
    First Tennessee Bank, National Association 6440 Wilkinson Boulevard Belmont, NC 28012 Full Service B&M $26,782
    First Tennessee Bank, National Association 651 Johnnie Dodds Boulevard Mount Pleasant, SC 29464 Full Service B&M $92,876
    First Tennessee Bank, National Association 6511 Falls Of Neuse Road Raleigh, NC 27615 Full Service B&M $75,713
    First Tennessee Bank, National Association 6595 Kirby Center Cove Memphis, TN 38115 Full Service B&M $49,030
    First Tennessee Bank, National Association 668 Nashville Pike Gallatin, TN 37066 Full Service B&M $538,228
    First Tennessee Bank, National Association 6792 Jordan Road Ramseur, NC 27316 Full Service B&M $22,667
    First Tennessee Bank, National Association 6801 Maynardville Pike Knoxville, TN 37918 Full Service B&M $76,344
    First Tennessee Bank, National Association 685 West Academy Street Randleman, NC 27317 Full Service B&M $37,842
    First Tennessee Bank, National Association 6891 Summer Avenue Bartlett, TN 38133 Full Service B&M $136,764
    First Tennessee Bank, National Association 701 Market Street Chattanooga, TN 37402 Full Service B&M $1,246,179
    First Tennessee Bank, National Association 701 South Main Street Mount Holly, NC 28120 Full Service B&M $28,291
    First Tennessee Bank, National Association 707 College Avenue Sw Lenoir, NC 28645 Full Service B&M $77,225
    First Tennessee Bank, National Association 7080 Shelby Drive Memphis, TN 38125 Full Service B&M $29,495
    First Tennessee Bank, National Association 7082 Bakers Bridge Avenue Franklin, TN 37067 Full Service B&M $77,118
    First Tennessee Bank, National Association 7220 Nolensville Road Nolensville, TN 37135 Full Service B&M $100,268
    First Tennessee Bank, National Association 7430 Goodman Rd Olive Branch, MS 38654 Full Service B&M $62,500
    First Tennessee Bank, National Association 7555 Mountain Grove Drive Knoxville, TN 37920 Full Service B&M $46,212
    First Tennessee Bank, National Association 7640 Popular Avenue Germantown, TN 38138 Full Service B&M $246,072
    First Tennessee Bank, National Association 7705 Carpenter Fire Station Road Cary, NC 27519 Full Service B&M $30,796
    First Tennessee Bank, National Association 7741 Asheville Highway Knoxville, TN 37924 Full Service B&M $51,838
    First Tennessee Bank, National Association 777 North Krome Avenue Homestead, FL 33030 Full Service B&M $77,109
    First Tennessee Bank, National Association 7808 Farmington Blvd Germantown, TN 38138 Full Service B&M $103,782
    First Tennessee Bank, National Association 7820 East Brainerd Road Chattanooga, TN 37421 Full Service B&M $65,596
    First Tennessee Bank, National Association 7820 Walking Horse Circle Germantown, TN 38138 Limited, Mobile/Seasonal Office $6,268
    First Tennessee Bank, National Association 7901 Concord Hills Drive Brentwood, TN 37027 Full Service B&M $35,049
    First Tennessee Bank, National Association 800 South Gay Street Knoxville, TN 37929 Full Service B&M $1,106,826
    First Tennessee Bank, National Association 800 State Street Bristol, TN 37620 Full Service B&M $57,003
    First Tennessee Bank, National Association 8000 Trinity Road Cordova, TN 38018 Full Service B&M $136,496
    First Tennessee Bank, National Association 804 South New Hope Road Gastonia, NC 28054 Full Service B&M $57,677
    First Tennessee Bank, National Association 808 South Church Street Murfreesboro, TN 37130 Full Service B&M $64,793
    First Tennessee Bank, National Association 80900 Overseas Highway Monroe County, FL 33036 Full Service B&M $58,372
    First Tennessee Bank, National Association 8100 Health Center Boulevard Bonita Springs, FL 34135 Full Service B&M $77,010
    First Tennessee Bank, National Association 8160 Sawyer Brown Road Nashville, TN 37221 Full Service B&M $98,472
    First Tennessee Bank, National Association 8231 Magnolia Estates Dr Cornelius, NC 28031 Full Service B&M $42,862
    First Tennessee Bank, National Association 841 Tusculum Boulevard Greeneville, TN 37745 Full Service B&M $29,239
    First Tennessee Bank, National Association 85 25th Street Cleveland, TN 37311 Full Service B&M $47,122
    First Tennessee Bank, National Association 8816 Six Forks Road, Suite 101 Raleigh, NC 27615 Full Service B&M $47,640
    First Tennessee Bank, National Association 9000 Southwest 137th Avenue Miami, FL 33186 Full Service B&M $26,505
    First Tennessee Bank, National Association 9133 Middlebrook Pike Knoxville, TN 37923 Full Service B&M $46,158
    First Tennessee Bank, National Association 918 Merrimon Avenue Asheville, NC 28804 Full Service B&M $61,825
    First Tennessee Bank, National Association 9185 Winchester Road Germantown, TN 38138 Full Service B&M $38,433
    First Tennessee Bank, National Association 91980 Overseas Highway Monroe County, FL 33070 Full Service B&M $98,307
    First Tennessee Bank, National Association 929 South Mcpherson Church Road Fayetteville, NC 28303 Full Service B&M $32,027
    First Tennessee Bank, National Association 9312 Apison Pike Ooltewah, TN 37363 Full Service B&M $89,125
    First Tennessee Bank, National Association 9579 South Dixie Highway Miami, FL 33156 Full Service B&M $68,590
    First Tennessee Bank, National Association 960 East Parkway Gatlinburg, TN 37738 Full Service B&M $23,123
    First Tennessee Bank, National Association 9607 Kingston Pike Knoxville, TN 37922 Full Service B&M $58,529
    First Tennessee Bank, National Association 9632 Chapel Hill Road Morrisville, NC 27560 Full Service B&M $41,853
    First Tennessee Bank, National Association 965 Woodland Street Nashville, TN 37206 Full Service B&M $33,556
    First Tennessee Bank, National Association 979 East Third Street Chattanooga, TN 37403 Full Service B&M $32,005
    First Tennessee Bank, National Association 9820 Stringfellow Road Saint James City, FL 33956 Full Service B&M $50,421
    First Tennessee Bank, National Association 99451 Overseas Highway Key Largo, FL 33037 Full Service B&M $67,152

    For 2019, First Horizon Bank had 291 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $1,632,259
    Net interest income $1,249,184
    Total noninterest income $632,420
    Gross Fiduciary activities income $40,165
    Service charges on deposit accounts $107,356
    Trading account gains and fees $264,393
    Additional Noninterest Income $220,506
    Pre-tax net operating income $663,239
    Securities gains (or losses, -) $5,704
    Income before extraordinary items $516,722
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $516,722
    Minority interest net income $59
    Net income $516,663
    Sale, conversion, retirement of capital stock, net $821
    Net operating income $512,215

    First Horizon Bank's gross interest income from loans was $1,632,259,000.
    First Horizon Bank's net interest income from loans was $1,249,184,000.
    First Horizon Bank's fee based income from loans was $107,356,000.
    First Horizon Bank's net income from loans was $516,663,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $383,075
    Provision for credit losses $47,925
    Total noninterest expense $1,170,440
    Salaries and employee benefits $672,336
    Premises and equipment expense $113,319
    Additional noninterest expense $384,785
    Applicable income taxes $152,221
    Net charge-offs $27,117
    Cash dividends $356,406

    First Horizon Bank's interest expense for loans was $383,075,000.
    First Horizon Bank's payroll and benefits expense were $672,336,000.
    First Horizon Bank's property, plant and equipment expenses $113,319,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 1.0%
    HELOC loans 4.0%
    All other family 0.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 1.2%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $32,810,374
    Deposits held in domestic offices $32,810,374
    Deposits by Individuals, partnerships, and corporations $29,603,940
    Deposits by U.S. Government $212
    Deposits by States and political subdivisions in the U.S. $2,865,417
    Deposits by Commercial banks and other depository institutions in U.S. $340,805
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $8,663,166
    Demand deposits $6,838,555
    Nontransaction accounts $24,147,208
    Money market deposit accounts (MMDAs) $19,660,889
    Other savings deposits (excluding MMDAs) $867,982
    Total time deposits $3,618,336
    Total time and savings deposits $25,971,819
    Noninterest-bearing deposits $8,807,506
    Interest-bearing deposits $24,002,868
    Retail deposits $29,906,180
    IRAs and Keogh plan accounts $1,068,981
    Brokered deposits $2,184,582
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $43,126,164
    Cash & Balances due from depository institutions $1,115,083
    Interest-bearing balances $481,355
    Total securities $4,460,221
    Federal funds sold & reverse repurchase $633,165
    Net loans and leases $31,455,285
    Loan and leases loss allowance $200,307
    Trading account assets $1,454,465
    Bank premises and fixed assets $658,265
    Other real estate owned $17,838
    Goodwill and other intangibles $1,552,497
    All other assets $1,779,345

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $43,126,164
    Total Liabilities $37,791,824
    Total deposits $32,810,374
    Interest-bearing deposits $24,002,868
    Deposits held in domestic offices $32,810,374
    % insured (estimated) $64
    Federal funds purchased and repurchase agreements $1,265,268
    Trading liabilities $536,241
    Other borrowed funds $2,359,076
    Subordinated debt $46,236
    All other liabilities $774,629

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $31,455,285
    Loan and leases loss allowance $200,307
    Total loans and leases (domestic) $31,655,592
    All real estate loans $14,832,846
    Real estate loans in domestic offices $14,832,846
    Construction and development loans $1,053,164
    Residential 1-4 family construction $139,551
    Other construction, all land development and other land $913,613
    Loans secured by nonfarm nonresidential properties $6,806,601
    Nonfarm nonresidential secured by owner-occupied properties $4,156,177
    Commercial real estate & other non-farm, non-residential $2,650,424
    Multifamily residential real estate $551,441
    1-4 family residential loans $6,388,152
    Farmland loans $33,488
    Loans held in foreign offices $0
    Farm loans $27,939
    Commercial and industrial loans $8,204,088
    To non-U.S. addressees $23,787
    Loans to individuals $340,567
    Credit card loans $102,430
    Related Plans $63,296
    Consumer Auto Loans $87,289
    Other loans to individuals $87,552
    All other loans & leases $8,251,253
    Loans to foreign governments and official institutions $0
    Other loans $7,178,748
    Loans to depository institutions and acceptances of other banks $139,260
    Loans not secured by real estate $98,880
    Loans secured by real estate to non-U.S. addressees $21,780
    Restructured Loans & leases $155,736
    Non 1-4 family restructured loans & leases $11,856
    Total loans and leases (foreign) $0

    First Horizon Bank had $31,455,285,000 of loans outstanding in 2019. $14,832,846,000 of loans were in real estate loans. $1,053,164,000 of loans were in development loans. $551,441,000 of loans were in multifamily mortgage loans. $6,388,152,000 of loans were in 1-4 family mortgage loans. $27,939,000 of loans were in farm loans. $102,430,000 of loans were in credit card loans. $87,289,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 2,920 $787,088 $269,551
    Nonfarm, nonresidential loans - <$100k 285 $9,638 $33,818
    Nonfarm, nonresidential loans - $100-250k 798 $85,586 $107,251
    Nonfarm, nonresidential loans - $250k-1MM 1,837 $691,864 $376,627
    Commercial & Industrial, US addressed loans - <$1MM 19,800 $840,159 $42,432
    Commercial & Industrial, US addressed loans - <$100k 15,135 $134,807 $8,907
    Commercial & Industrial, US addressed loans - $100-250k 2,309 $167,269 $72,442
    Commercial & Industrial, US addressed loans - $250k-1MM 2,356 $538,083 $228,388
    Farmland loans - <$1MM 50 $4,381 $87,620
    Farmland loans - <$100k 13 $336 $25,846
    Farmland loans - $100-250k 22 $1,529 $69,500
    Farmland loans - $250k-1MM 15 $2,516 $167,733
    Agriculture operations loans - <$1MM 98 $16,268 $166,000
    Agriculture operations loans - <$100k 26 $1,023 $39,346
    Agriculture operations loans - $100-250k 42 $6,380 $151,905
    Agriculture operations loans - $250k-1MM 30 $8,865 $295,500