First Horizon Bank Mortgage Rates, Fees & Info

Memphis, TN

LEI: COOWI3L2W9TPYR3WJX37

Tax ID: 62-0201385

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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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, Charlotte, 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 about average 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% 11/17/24
30 Year Conventional Purchase 6.26% 11/17/24
30 Year Conventional Refi 6.33% 11/17/24
30 Year Cash-out Refi 6.65% 11/17/24
30 Year FHA Purchase 7.30% 11/17/24
30 Year FHA Refi 6.27% 11/17/24
30 Year VA Purchase 6.19% 11/17/24
30 Year VA Refi 5.84% 11/17/24
30 Year USDA Purchase 6.72% 11/17/24
30 Year USDA Refi 6.27% 11/17/24
15 Year Conventional Purchase 5.92% 11/17/24
15 Year Conventional Refi 6.04% 11/17/24
15 Year Cash-out Refi 6.04% 11/17/24
15 Year FHA Refi 5.68% 11/17/24
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

5,101

Origination Dollar Volume (All Markets)

$1,663,715,000

Employee count

7,914

Awards

First Horizon Bank 30 Year Conventional Loans bronze First Horizon Bank 30 Year Conventional Loans gold First Horizon Bank 30 Year Conventional Loans gold
Show all (3) 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) 1,163 $397,575,000 $341,853 $3,841 3.83%
KNOXVILLE, TN (FHA|USDA|VA) 612 $164,030,000 $268,023 $3,879 3.80%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 497 $114,985,000 $231,358 $4,158 3.89%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 330 $88,570,000 $268,394 $3,479 3.89%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 329 $87,995,000 $267,462 $3,717 3.84%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 129 $87,035,000 $674,690 $6,906 3.41%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 39 $86,185,000 $2,209,872 $4,403 3.61%
Key West, FL (FHA|USDA|VA) 155 $73,445,000 $473,839 $5,714 3.37%
JOHNSON CITY, TN (FHA|USDA|VA) 167 $41,155,000 $246,437 $3,282 3.85%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 56 $34,620,000 $618,214 $6,467 3.52%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 1 $32,125,000 $32,125,000 $0 2.65%
WINSTON-SALEM, NC (FHA|USDA|VA) 132 $32,090,000 $243,106 $3,221 3.75%
Outside of Metro Areas 88 $31,390,000 $356,705 $3,942 3.80%
RALEIGH-CARY, NC (FHA|USDA|VA) 104 $30,060,000 $289,038 $3,359 3.71%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 95 $27,925,000 $293,947 $3,387 3.86%
KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 105 $24,475,000 $233,095 $3,280 3.92%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 24 $18,460,000 $769,167 $4,944 3.58%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 57 $17,805,000 $312,368 $5,233 3.84%
ASHEVILLE, NC (FHA|USDA|VA) 52 $16,530,000 $317,885 $3,819 3.72%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 63 $15,035,000 $238,651 $3,241 3.46%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 12 $14,010,000 $1,167,500 $7,805 3.56%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 83 $13,945,000 $168,012 $3,387 3.81%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 6 $13,510,000 $2,251,667 $11,185 3.23%
FAYETTEVILLE, NC (FHA|USDA|VA) 51 $13,425,000 $263,235 $4,343 3.37%
Cookeville, TN (FHA|USDA|VA) 66 $11,330,000 $171,667 $3,160 4.07%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 14 $10,440,000 $745,714 $7,450 3.59%
JACKSON, TN (FHA|USDA|VA) 30 $7,880,000 $262,667 $3,588 3.71%
Greeneville, TN (FHA|USDA|VA) 48 $7,760,000 $161,667 $3,706 3.98%
CLEVELAND, TN (FHA|USDA|VA) 41 $7,525,000 $183,537 $2,986 3.88%
JACKSONVILLE, FL (FHA|USDA|VA) 12 $6,930,000 $577,500 $6,002 4.08%
Sevierville, TN (FHA|USDA|VA) 39 $6,575,000 $168,590 $3,432 3.83%
MORRISTOWN, TN (FHA|USDA|VA) 55 $6,495,000 $118,091 $2,922 4.08%
Boone, NC (FHA|USDA|VA) 24 $6,200,000 $258,333 $3,585 3.77%
COLUMBIA, SC (FHA|USDA|VA) 21 $5,325,000 $253,571 $3,481 3.71%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 25 $5,215,000 $208,600 $3,840 3.87%
SPARTANBURG, SC (FHA|USDA|VA) 18 $5,050,000 $280,556 $4,523 3.56%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 9 $4,855,000 $539,444 $6,084 3.63%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 23 $4,125,000 $179,348 $4,194 4.08%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 11 $3,985,000 $362,273 $3,626 3.59%
Mount Airy, NC (FHA|USDA|VA) 23 $3,975,000 $172,826 $3,447 3.81%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 3 $3,795,000 $1,265,000 $6,936 3.92%
Tullahoma-Manchester, TN (FHA|USDA|VA) 10 $3,610,000 $361,000 $3,423 3.28%
Crossville, TN (FHA|USDA|VA) 9 $3,595,000 $399,444 $4,702 3.56%
PORT ST. LUCIE, FL (FHA|USDA|VA) 11 $3,405,000 $309,545 $4,950 3.11%
JACKSON, MS (FHA|USDA|VA) 5 $3,285,000 $657,000 $4,738 3.83%
BURLINGTON, NC (FHA|USDA|VA) 27 $2,935,000 $108,704 $2,891 3.68%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 9 $2,675,000 $297,222 $3,424 3.42%
Lawrenceburg, TN (FHA|USDA|VA) 21 $2,605,000 $124,048 $3,009 3.95%
Athens, TN (FHA|USDA|VA) 9 $2,535,000 $281,667 $3,628 3.35%
SAVANNAH, GA (FHA|USDA|VA) 3 $2,475,000 $825,000 $4,939 3.25%
Henderson, NC (FHA|USDA|VA) 1 $2,255,000 $2,255,000 $7,899 3.85%
DALTON, GA (FHA|USDA|VA) 4 $1,790,000 $447,500 $4,175 4.24%
ROANOKE, VA (FHA|USDA|VA) 4 $1,600,000 $400,000 $6,797 3.63%
Heber, UT (FHA|USDA|VA) 1 $1,575,000 $1,575,000 $5,255 2.90%
GAINESVILLE, GA (FHA|USDA|VA) 1 $1,505,000 $1,505,000 $6,436 3.95%
WILMINGTON, NC (FHA|USDA|VA) 6 $1,360,000 $226,667 $3,408 3.58%
RICHMOND, VA (FHA|USDA|VA) 6 $1,330,000 $221,667 $3,838 3.66%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 5 $1,325,000 $265,000 $3,485 3.55%
Pinehurst-Southern Pines, NC (FHA|USDA|VA) 7 $1,225,000 $175,000 $4,546 3.40%
Glenwood Springs, CO (FHA|USDA|VA) 1 $1,185,000 $1,185,000 $3,392 3.50%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 1 $1,165,000 $1,165,000 $10,343 3.13%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 2 $1,120,000 $560,000 $5,979 3.75%
BATON ROUGE, LA (FHA|USDA|VA) 1 $1,095,000 $1,095,000 $6,560 3.25%
PUNTA GORDA, FL (FHA|USDA|VA) 4 $1,090,000 $272,500 $3,432 3.28%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 1 $1,055,000 $1,055,000 $6,465 3.38%
Edwards, CO (FHA|USDA|VA) 1 $1,005,000 $1,005,000 $4,494 3.50%
COLUMBUS, OH (FHA|USDA|VA) 1 $1,005,000 $1,005,000 $0 1.80%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 4 $970,000 $242,500 $4,434 3.49%
Lewisburg, TN (FHA|USDA|VA) 8 $970,000 $121,250 $3,641 4.23%
Sanford, NC (FHA|USDA|VA) 11 $955,000 $86,818 $3,118 4.36%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 2 $950,000 $475,000 $5,357 3.81%
GREENVILLE, NC (FHA|USDA|VA) 4 $880,000 $220,000 $3,017 3.38%
ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 1 $845,000 $845,000 $4,723 3.63%
North Wilkesboro, NC (FHA|USDA|VA) 6 $810,000 $135,000 $3,325 3.48%
READING, PA (FHA|USDA|VA) 1 $805,000 $805,000 $6,770 3.63%
Paris, TN (FHA|USDA|VA) 1 $755,000 $755,000 $3,978 3.63%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 3 $755,000 $251,667 $2,925 3.92%
Brevard, NC (FHA|USDA|VA) 1 $725,000 $725,000 $4,710 4.13%
NEW BERN, NC (FHA|USDA|VA) 2 $720,000 $360,000 $3,487 3.19%
FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) 2 $720,000 $360,000 $2,359 4.51%
Oxford, MS (FHA|USDA|VA) 1 $705,000 $705,000 $4,720 3.25%
Georgetown, SC (FHA|USDA|VA) 2 $700,000 $350,000 $4,288 2.94%
Shelbyville, TN (FHA|USDA|VA) 4 $700,000 $175,000 $3,263 3.56%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 2 $680,000 $340,000 $4,481 3.19%
Albemarle, NC (FHA|USDA|VA) 4 $660,000 $165,000 $3,011 3.62%
MADISON, WI (FHA|USDA|VA) 1 $645,000 $645,000 $3,727 3.99%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 3 $605,000 $201,667 $4,444 3.58%
PANAMA CITY, FL (FHA|USDA|VA) 2 $600,000 $300,000 $4,247 2.88%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 1 $595,000 $595,000 $3,511 2.88%
PROVO-OREM, UT (FHA|USDA|VA) 1 $595,000 $595,000 $3,875 3.88%
MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 1 $515,000 $515,000 $3,314 3.63%
Kalispell, MT (FHA|USDA|VA) 1 $505,000 $505,000 $3,990 2.50%
LIMA, OH (FHA|USDA|VA) 1 $485,000 $485,000 $4,012 3.13%
GAINESVILLE, FL (FHA|USDA|VA) 2 $480,000 $240,000 $3,939 3.38%
Oneonta, NY (FHA|USDA|VA) 1 $475,000 $475,000 $6,195 3.63%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 1 $475,000 $475,000 $4,855 4.00%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 1 $475,000 $475,000 $4,193 3.00%
Newport, TN (FHA|USDA|VA) 4 $450,000 $112,500 $3,164 4.83%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 3 $435,000 $145,000 $3,150 3.18%
HUNTSVILLE, AL (FHA|USDA|VA) 3 $425,000 $141,667 $5,116 4.50%
Washington, NC (FHA|USDA|VA) 1 $425,000 $425,000 $4,163 2.88%
Thomaston, GA (FHA|USDA|VA) 1 $405,000 $405,000 $5,044 2.88%
Rockingham, NC (FHA|USDA|VA) 6 $390,000 $65,000 $2,957 4.79%
AUBURN-OPELIKA, AL (FHA|USDA|VA) 1 $375,000 $375,000 $0 5.90%
Elizabeth City, NC (FHA|USDA|VA) 1 $375,000 $375,000 $3,451 3.25%
Morehead City, NC (FHA|USDA|VA) 2 $360,000 $180,000 $3,391 4.36%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 2 $350,000 $175,000 $3,580 3.21%
Cullowhee, NC (FHA|USDA|VA) 1 $335,000 $335,000 $3,663 2.63%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 1 $285,000 $285,000 $4,649 3.88%
Roanoke Rapids, NC (FHA|USDA|VA) 1 $285,000 $285,000 $3,306 4.25%
BRUNSWICK, GA (FHA|USDA|VA) 2 $280,000 $140,000 $3,891 4.75%
Shelby, NC (FHA|USDA|VA) 2 $270,000 $135,000 $4,135 3.69%
OCALA, FL (FHA|USDA|VA) 2 $260,000 $130,000 $3,424 3.38%
THE VILLAGES, FL (FHA|USDA|VA) 1 $255,000 $255,000 $0 2.80%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 1 $245,000 $245,000 $3,465 3.88%
Martinsville, VA (FHA|USDA|VA) 3 $225,000 $75,000 $2,843 3.47%
Dayton, TN (FHA|USDA|VA) 2 $220,000 $110,000 $0 3.53%
ROCKY MOUNT, NC (FHA|USDA|VA) 1 $205,000 $205,000 $3,152 3.38%
VALDOSTA, GA (FHA|USDA|VA) 1 $205,000 $205,000 $0 4.20%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 1 $195,000 $195,000 $3,888 3.88%
Enterprise, AL (FHA|USDA|VA) 1 $195,000 $195,000 $0 4.10%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 1 $185,000 $185,000 $2,888 2.75%
ST. LOUIS, MO-IL (FHA|USDA|VA) 1 $175,000 $175,000 $3,182 3.00%
Wilson, NC (FHA|USDA|VA) 1 $165,000 $165,000 $2,866 2.88%
Marion, NC (FHA|USDA|VA) 2 $160,000 $80,000 $3,190 4.84%
MONTGOMERY, AL (FHA|USDA|VA) 1 $135,000 $135,000 $0 4.50%
Milledgeville, GA (FHA|USDA|VA) 1 $135,000 $135,000 $2,995 3.38%
Kinston, NC (FHA|USDA|VA) 1 $125,000 $125,000 $3,039 5.50%
Jesup, GA (FHA|USDA|VA) 2 $120,000 $60,000 $0 4.53%
Gaffney, SC (FHA|USDA|VA) 1 $115,000 $115,000 $3,076 2.75%
Dyersburg, TN (FHA|USDA|VA) 1 $115,000 $115,000 $0 2.90%
Martin, TN (FHA|USDA|VA) 2 $110,000 $55,000 $0 4.69%
ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 1 $95,000 $95,000 $0 5.63%
Tupelo, MS (FHA|USDA|VA) 1 $75,000 $75,000 $0 3.70%
JONESBORO, AR (FHA|USDA|VA) 1 $55,000 $55,000 $0 3.75%
SALT LAKE CITY, UT (FHA|USDA|VA) 1 $55,000 $55,000 $0 5.45%
HOT SPRINGS, AR (FHA|USDA|VA) 1 $45,000 $45,000 $2,338 3.13%
First Horizon Bank's top markets include Nashville, Knoxville, Memphis, Charlotte, and Chattanooga among others.

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

    We use machine learning to identify the top lenders compared against First Horizon Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 2,645 $1,269,595,000 $479,998 $4,030 3.44%
    HELOC 2,422 $384,700,000 $158,836 n/a 4.19%
    VA 30 $8,670,000 $289,000 $7,085 2.96%
    USDA 4 $750,000 $187,500 $5,062 3.06%

    For 2020, First Horizon Bank's most frequently originated type of loan was Conventional, with 2,645 originations. Their 2nd most popular type was HELOC, with 2,422 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 1,721 $854,605,000 $496,575 $4,211 3.51%
    Cash Out Refi 1,135 $302,585,000 $266,595 $4,060 3.89%
    Home Improvement 805 $91,105,000 $113,174 $3,432 4.26%
    Refi 794 $309,630,000 $389,962 $3,767 3.38%
    Other 646 $105,790,000 $163,762 $3,773 4.29%

    For 2020, First Horizon Bank's most frequently cited loan purpose was Home Purchase, with 1,721 originations. The 2nd most popular reason was Cash Out Refi, with 1,135 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 4,331 $1,249,595,000 $288,523 $4,001 3.85%
    15 Year 406 $136,960,000 $337,340 $3,576 3.10%
    20 Year 225 $61,545,000 $273,533 $3,973 3.92%
    10 Year 71 $53,905,000 $759,225 $4,044 3.47%
    30+ year 55 $50,545,000 $919,000 $10,074 3.80%
    Other 6 $35,570,000 $5,928,333 $6,818 3.54%
    5 Year 5 $39,705,000 $7,941,000 $0 3.82%
    3 Year 2 $35,890,000 $17,945,000 $0 3.63%

    For 2020, First Horizon Bank's most frequently cited loan duration was 30 Year, with 4,331 originations. The 2nd most popular length was 15 Year, with 406 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 1,952 $923,310,000 $473,007
    $1k-2k 372 $82,720,000 $222,366
    $2k-3k 134 $73,050,000 $545,149
    $3k-4k 39 $14,015,000 $359,359
    $5k+ 17 $14,035,000 $825,588
    $4k-5k 14 $6,040,000 $431,429

    First Horizon Bank's average total fees were $4,001, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,952 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 2,688 $1,058,780,000 $393,891
    2.5-3% 954 $388,240,000 $406,960
    4-5% 811 $134,515,000 $165,863
    5-6% 399 $44,515,000 $111,566
    6-7% 137 $8,365,000 $61,058
    <2.5% 56 $23,110,000 $412,679
    7-8% 18 $610,000 $33,889
    Over 8% 1 $15,000 $15,000

    During 2020, First Horizon Bank's average interest rate for loans was 3.85%, while their most frequently originated rate bucket for loans was 3-4%, with 2,688 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 1,487 $207,765,000 $139,721 $3,102 3.67%
    $100,000 or less 1,288 $72,720,000 $56,460 $2,889 4.59%
    $200k-400k 1,163 $326,215,000 $280,494 $3,729 3.46%
    $400k-600k 539 $260,035,000 $482,440 $4,436 3.35%
    $600k-1MM 359 $272,755,000 $759,763 $4,868 3.46%
    $1MM+ 265 $524,225,000 $1,978,208 $7,221 3.38%

    2020 saw First Horizon Bank place emphasis on $100k-200k loans with 1,487 originations, totaling $207,765,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $250k+ 1,177 $796,185,000 $676,453 $5,095 3.50%
    $150k-250k 845 $260,325,000 $308,077 $4,271 3.74%
    $50k or less 828 $90,720,000 $109,565 $3,067 3.98%
    $50k-75k 802 $114,550,000 $142,830 $3,357 3.90%
    $100k-150k 716 $143,400,000 $200,279 $3,901 3.93%
    $75k-100k 570 $93,480,000 $164,000 $3,746 3.89%

    First Horizon Bank lent most frequently to those with incomes in the $250k+ range, with 1,177 originations. The second most popular income band? $150k-250k, with 845 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 1,338 $402,660,000 $300,942 $4,049 3.76%
    30-36% 969 $262,585,000 $270,986 $3,830 3.88%
    <20% 930 $334,170,000 $359,323 $4,126 3.56%
    42% 270 $62,480,000 $231,407 $3,860 3.85%
    41% 215 $59,865,000 $278,442 $4,103 3.89%
    38% 196 $61,540,000 $313,980 $4,523 3.99%
    40% 196 $50,890,000 $259,643 $3,937 3.90%
    36% 193 $60,825,000 $315,155 $4,371 3.86%
    39% 168 $48,720,000 $290,000 $4,414 4.01%
    37% 167 $38,565,000 $230,928 $3,854 3.93%
    44% 106 $31,970,000 $301,604 $4,272 3.88%
    43% 90 $19,660,000 $218,444 $3,866 3.86%
    45% 47 $15,535,000 $330,532 $3,830 3.65%
    50-60% 40 $20,470,000 $511,750 $4,768 3.77%
    49% 36 $12,810,000 $355,833 $4,235 3.72%
    47% 31 $8,925,000 $287,903 $3,936 3.64%
    48% 28 $11,300,000 $403,571 $4,271 3.47%
    46% 28 $12,460,000 $445,000 $5,057 3.29%
    >60% 14 $7,750,000 $553,571 $4,289 3.91%

    First Horizon Bank lent most frequently to those with DTI ratios of 20-30%, with 1,338 originations. The next most common DTI ratio? 30-36%, with 969 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 4,280 $1,269,170,000 $296,535 $4,079 3.80%
    Not provided 409 $149,995,000 $366,736 $4,366 3.63%
    Not applicable 26 $137,920,000 $5,304,615 $0 3.63%
    Black 212 $43,940,000 $207,264 $3,573 3.99%
    Asian 99 $33,305,000 $336,414 $3,885 3.62%
    Asian Indian 32 $19,200,000 $600,000 $4,180 3.28%
    American Indian 27 $5,545,000 $205,370 $3,507 3.98%
    Korean 3 $2,045,000 $681,667 $4,402 3.50%
    Other Asian 4 $1,510,000 $377,500 $4,267 3.96%
    Vietnamese 3 $625,000 $208,333 $3,753 3.06%
    Other Pacific Islander 4 $350,000 $87,500 $2,745 4.56%
    Native Hawaiian or Islander 1 $55,000 $55,000 $0 3.85%
    Filipino 1 $55,000 $55,000 $0 5.95%

    Approval Rates

    Total approvals of all applications
    80.79%

    First Horizon Bank has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    75.91%

    First Horizon Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 5,101 $1,663,715,000 $326,155

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 12 $132,470,000 $11,039,167
    Single Family (1-4 Units):Manufactured 55 $6,945,000 $126,273
    Single Family (1-4 Units):Site-Built 5,034 $1,524,300,000 $302,801

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 975 $152,435,000 $156,344 $3,606 4.03%
    40-60% 824 $349,740,000 $424,442 $3,944 3.52%
    60-80% 1,197 $500,445,000 $418,083 $4,380 3.49%
    80-100% 1,325 $601,145,000 $453,694 $3,908 3.59%
    Over 100% 10 $2,910,000 $291,000 $11,100 3.00%
    Under 20% 770 $57,040,000 $74,078 $3,303 4.59%

    Complaints

    Bank Name Product Issue 2020 CPFB Complaints % of Total Issues
    FIRST HORIZON BANK Home equity loan or line of credit (HELOC) Trouble during payment process 1 6.7%
    FIRST HORIZON BANK Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 1 6.7%
    FIRST HORIZON BANK Conventional home mortgage Closing on a mortgage 1 6.7%
    FIRST HORIZON BANK Conventional home mortgage Trouble during payment process 4 26.7%
    FIRST HORIZON BANK Other type of mortgage Trouble during payment process 2 13.3%
    FIRST HORIZON BANK Other type of mortgage Struggling to pay mortgage 1 6.7%
    FIRST HORIZON BANK Other type of mortgage Closing on a mortgage 2 13.3%
    FIRST HORIZON BANK Home equity loan or line of credit (HELOC) Applying for a mortgage or refinancing an existing mortgage 3 20.0%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    First Horizon Bank 1 Cherokee Boulevard Chattanooga, TN 37405 Full Service B&M $74,090
    First Horizon Bank 1 Glenwood Avenue Raleigh, NC 27603 Full Service B&M $62,635
    First Horizon Bank 100 North Main Street Greeneville, TN 37743 Full Service B&M $39,844
    First Horizon Bank 1002 E. Lamar Alexander Pkwy Maryville, TN 37804 Full Service B&M $55,975
    First Horizon Bank 101 North Locust Avenue Lawrenceburg, TN 38464 Full Service B&M $130,764
    First Horizon Bank 101 Sunset Avenue Asheboro, NC 27203 Full Service B&M $205,631
    First Horizon Bank 10108 South Main Street Archdale, NC 27263 Full Service B&M $63,379
    First Horizon Bank 10134 Two Notch Road Columbia, SC 29223 Full Service B&M $14,323
    First Horizon Bank 102 East Washington Street Mebane, NC 27302 Full Service B&M $32,369
    First Horizon Bank 102 Millstone Drive Hillsborough, NC 27278 Full Service B&M $36,931
    First Horizon Bank 1030 South Highway 92 Dandridge, TN 37725 Full Service B&M $101,604
    First Horizon Bank 103330 Overseas Highway Key Largo, FL 33037 Full Service B&M $45,234
    First Horizon Bank 105 Post Office Street King, NC 27021 Full Service B&M $37,655
    First Horizon Bank 10606 Hardin Valley Road Knoxville, TN 37932 Full Service B&M $36,886
    First Horizon Bank 1099 N Tamiami Trail Nokomis, FL 34275 Full Service B&M $64,711
    First Horizon Bank 1845 Kirby Parkway Germantown, TN 38138 Full Service B&M $159,256
    First Horizon Bank 1112 West First North Street Morristown, TN 37814 Full Service B&M $294,533
    First Horizon Bank 1115 Stonecrest Blvd Tega Cay, SC 29708 Full Service B&M $128,880
    First Horizon Bank 112 South Hall Road Alcoa, TN 37701 Full Service B&M $87,613
    First Horizon Bank 1128 South Main Street Graham, NC 27253 Full Service B&M $38,899
    First Horizon Bank 11401 Overseas Highway Marathon, FL 33050 Full Service B&M $38,555
    First Horizon Bank 1151 Falls River Ave Raleigh, NC 27614 Full Service B&M $29,357
    First Horizon Bank 1155 Volunteer Pkwy Bristol, TN 37620 Full Service B&M $76,130
    First Horizon Bank 11610 U.S. Hwy 70 Arlington, TN 38002 Full Service B&M $20,004
    First Horizon Bank 11685 Parkside Drive Knoxville, TN 37934 Full Service B&M $87,804
    First Horizon Bank 1182 West Poplar Avenue Collierville, TN 38017 Full Service B&M $231,128
    First Horizon Bank 11864 Kingston Pike Knoxville, TN 37934 Full Service B&M $128,945
    First Horizon Bank 1207 Kildaire Farm Road Cary, NC 27511 Full Service B&M $57,188
    First Horizon Bank 206 North Main Street Greeneville, TN 37745 Full Service B&M $197,480
    First Horizon Bank 1207 South Main Street Kernersville, NC 27284 Full Service B&M $34,567
    First Horizon Bank 121 Alhambra Plaza Coral Gables, FL 33134 Full Service B&M $35,598
    First Horizon Bank 121 Kirkwood, N.E. Knoxville, TN 37914 Full Service B&M $63,585
    First Horizon Bank 1214 Murfreesboro Road Franklin, TN 37064 Full Service B&M $108,061
    First Horizon Bank 12205 Metro Parkway Fort Myers, FL 33912 Full Service B&M $18,264
    First Horizon Bank 12217 Capital Boulevard Wake Forest, NC 27587 Full Service B&M $40,634
    First Horizon Bank 123 West Thompson Lane Murfreesboro, TN 37129 Full Service B&M $34,445
    First Horizon Bank 1249 East Shelby Drive Memphis, TN 38116 Limited, Drive-thru $9,510
    First Horizon Bank 1249 Ridgeway Road Memphis, TN 38119 Full Service B&M $50,178
    First Horizon Bank 125 North First Avenue Lewisburg, TN 37091 Full Service B&M $46,793
    First Horizon Bank 1305 Decatur Pike Athens, TN 37303 Full Service B&M $48,592
    First Horizon Bank 1307 Taft Highway Signal Mountain, TN 37377 Full Service B&M $74,095
    First Horizon Bank 1320 Main Street Columbia, SC 29201 Full Service B&M $73,719
    First Horizon Bank 1338 Union Avenue Memphis, TN 38104 Full Service B&M $119,902
    First Horizon Bank 1351 Norwood Street, S.W. Lenoir, NC 28645 Full Service B&M $67,756
    First Horizon Bank 137 Harrison Lane Soddy Daisy, TN 37379 Full Service B&M $65,071
    First Horizon Bank 1390 South Dixie Highway Coral Gables, FL 33156 Full Service B&M $130,160
    First Horizon Bank 1404-08 James M. Campbell Boulevard Columbia, TN 38401 Full Service B&M $58,349
    First Horizon Bank 1420 2nd Street, Ne Hickory, NC 28601 Full Service B&M $223,336
    First Horizon Bank 1439 West Memorial Highway Union Grove, NC 28689 Full Service B&M $48,698
    First Horizon Bank 14499 South Dixie Highway Miami, FL 33176 Full Service B&M $57,828
    First Horizon Bank 1500 W. State Of Franklin Johnson City, TN 37604 Full Service B&M $77,386
    First Horizon Bank 1505 Highwoods Boulevard Greensboro, NC 27410 Full Service B&M $106,680
    First Horizon Bank 15280 Mcgregor Boulevard Fort Myers, FL 33908 Full Service B&M $65,619
    First Horizon Bank 154 Cason Lane Murfreesboro, TN 37128 Full Service B&M $52,621
    First Horizon Bank 1615 West Main Street Lebanon, TN 37087 Full Service B&M $82,564
    First Horizon Bank 165 Madison Avenue Memphis, TN 38103 Full Service B&M $11,541,552
    First Horizon Bank 1670 Springplace Road Cleveland, TN 37311 Full Service B&M $36,151
    First Horizon Bank 1751 Hendersonville Road Asheville, NC 28803 Full Service B&M $105,039
    First Horizon Bank 1766 Lamar Alexander Parkway Maryville, TN 37801 Full Service B&M $46,044
    First Horizon Bank 1790 East Venice Avenue Venice, FL 34285 Full Service B&M $49,933
    First Horizon Bank 1805 Madison Avenue Clarksville, TN 37043 Full Service B&M $19,753
    First Horizon Bank 1815 Downtown West Knoxville, TN 37919 Full Service B&M $119,115
    First Horizon Bank 1820 West Broadway Maryville, TN 37801 Full Service B&M $446,670
    First Horizon Bank 1829 East Broad Street Statesville, NC 28625 Full Service B&M $31,413
    First Horizon Bank 1832 West Cumberland Avenue, Unit 100 Knoxville, TN 37916 Full Service B&M $59,853
    First Horizon Bank 1921 Walnut Street White Pine, TN 37890 Full Service B&M $30,745
    First Horizon Bank 200 North Main Street China Grove, NC 28023 Full Service B&M $50,831
    First Horizon Bank 200 West 7th Street Columbia, TN 38401 Full Service B&M $48,950
    First Horizon Bank 200 Williamsboro Street Oxford, NC 27565 Full Service B&M $51,216
    First Horizon Bank 2001 East Twenty-Third Street Chattanooga, TN 37404 Full Service B&M $79,691
    First Horizon Bank 201 East Meeting Street Morganton, NC 28655 Full Service B&M $45,419
    First Horizon Bank 2015 East Brooks Road Memphis, TN 38116 Full Service B&M $37,493
    First Horizon Bank 202 East Washington Street Rockingham, NC 28379 Full Service B&M $65,087
    First Horizon Bank 202 Franklin Road Brentwood, TN 37027 Full Service B&M $208,901
    First Horizon Bank 20295 N.E. 29th Place Aventura, FL 33180 Full Service B&M $67,972
    First Horizon Bank 204 East Main Street Seagrove, NC 27341 Full Service B&M $38,098
    First Horizon Bank 2055 S. Houston-Levee Rd Germantown, TN 38139 Full Service B&M $74,155
    First Horizon Bank 207 East Main Street Senatobia, MS 38668 Full Service B&M $59,158
    First Horizon Bank 2076 North Highland Avenue Jackson, TN 38305 Full Service B&M $30,209
    First Horizon Bank 2076 Town Center Boulevard Knoxville, TN 37922 Full Service B&M $96,370
    First Horizon Bank 208-210 West Main Street Waverly, TN 37185 Full Service B&M $48,406
    First Horizon Bank 210 Gay Street Erwin, TN 37650 Full Service B&M $49,654
    First Horizon Bank 210 Knob Hill Road Mooresville, NC 28117 Full Service B&M $45,176
    First Horizon Bank 210 West Main Street Rogersville, TN 37857 Full Service B&M $50,110
    First Horizon Bank 211 Franklin Road, Suite 300 Brentwood, TN 37027 Full Service B&M $90,411
    First Horizon Bank 2112 North Roan Street Johnson City, TN 37601 Full Service B&M $686,483
    First Horizon Bank 2115 Abbott Martin Road Nashville, TN 37215 Full Service B&M $47,283
    First Horizon Bank 211o Rosa L. Parks Blvd Nashville, TN 37228 Full Service B&M $17,942
    First Horizon Bank 2121 Emory Road Powell, TN 37849 Full Service B&M $71,369
    First Horizon Bank 2127 Clark Avenue Raleigh, NC 27605 Full Service B&M $81,573
    First Horizon Bank 2143 East Broadway Maryville, TN 37804 Full Service B&M $57,672
    First Horizon Bank 215 North Pine Street Spartanburg, SC 29302 Full Service B&M $127,379
    First Horizon Bank 216 Indian Lake Blvd. Hendersonville, TN 37075 Full Service B&M $83,370
    First Horizon Bank 2173 Northgate Park Lane Chattanooga, TN 37415 Full Service B&M $131,302
    First Horizon Bank 2200 Hillsboro Road Franklin, TN 37069 Full Service B&M $47,024
    First Horizon Bank 222 Old Gray Station Road Gray, TN 37615 Full Service B&M $39,561
    First Horizon Bank 2220 12th Avenue, N.E. Hickory, NC 28601 Full Service B&M $45,026
    First Horizon Bank 2221 Hamilton Place Boulevard Chattanooga, TN 37421 Full Service B&M $127,229
    First Horizon Bank 225 Faith Road Salisbury, NC 28146 Full Service B&M $25,889
    First Horizon Bank 225 Hanes Mill Road Winston Salem, NC 27105 Full Service B&M $38,870
    First Horizon Bank 227 South Main Street Graham, NC 27253 Full Service B&M $68,220
    First Horizon Bank 2284 Lamar Avenue Memphis, TN 38114 Full Service B&M $31,318
    First Horizon Bank 23 N. Main Street Granite Falls, NC 28630 Full Service B&M $40,898
    First Horizon Bank 23 White Bridge Road Nashville, TN 37205 Full Service B&M $59,856
    First Horizon Bank 231 Public Square Franklin, TN 37064 Full Service B&M $108,093
    First Horizon Bank 2329 East Morris Boulevard Morristown, TN 37813 Full Service B&M $40,761
    First Horizon Bank 2348 Overseas Highway Marathon, FL 33050 Full Service B&M $37,153
    First Horizon Bank 235 East Center Street Kingsport, TN 37660 Full Service B&M $226,943
    First Horizon Bank 2360 Murfreesboro Pike Nashville, TN 37217 Full Service B&M $35,690
    First Horizon Bank 240 Nokomis Avenue South Venice, FL 34285 Full Service B&M $48,447
    First Horizon Bank 2400 Memorial Boulevard Kingsport, TN 37664 Full Service B&M $77,383
    First Horizon Bank 2432 Mckee Road Matthews, NC 28105 Full Service B&M $38,908
    First Horizon Bank 249 West Main Street Lebanon, TN 37087 Full Service B&M $62,238
    First Horizon Bank 25 Jefferson Street Clarksville, TN 37040 Full Service B&M $45,888
    First Horizon Bank 25 Third Street, N.W. Hickory, NC 28601 Full Service B&M $107,126
    First Horizon Bank 2541 Eastchester Drive High Point, NC 27265 Full Service B&M $32,154
    First Horizon Bank 255 East Independence Boulevard Mount Airy, NC 27030 Full Service B&M $126,449
    First Horizon Bank 2621 Lebanon Road Nashville, TN 37214 Full Service B&M $53,866
    First Horizon Bank 2625 Northwest Boulevard Newton, NC 28658 Full Service B&M $58,406
    First Horizon Bank 2680 Reidville Road Spartanburg, SC 29301 Full Service B&M $32,690
    First Horizon Bank 2750 North Germantown Parkway Memphis, TN 38133 Full Service B&M $136,776
    First Horizon Bank 2786 Wilma Rudolph Boulevard Clarksville, TN 37040 Full Service B&M $22,458
    First Horizon Bank 2841 East Andrew Johnson Highway Greeneville, TN 37745 Full Service B&M $123,017
    First Horizon Bank 2841 Highway 421 West Wilkesboro, NC 28697 Full Service B&M $68,139
    First Horizon Bank 2877 Medical Center Parkway Murfreesboro, TN 37130 Full Service B&M $21,922
    First Horizon Bank 5052 Navy Road Millington, TN 38053 Full Service B&M $69,148
    First Horizon Bank 2900 North Broadway Knoxville, TN 37917 Full Service B&M $39,279
    First Horizon Bank 2916 Highway 31 West White House, TN 37188 Full Service B&M $37,545
    First Horizon Bank 2917 S. Horner Boulevard Sanford, NC 27332 Full Service B&M $87,952
    First Horizon Bank 300 East Main Street Sevierville, TN 37862 Full Service B&M $113,605
    First Horizon Bank 300 East Raleigh Street Siler City, NC 27344 Full Service B&M $75,854
    First Horizon Bank 3009 Post Oak Blvd, Suite120 Houston, TX 77056 Full Service B&M $168,025
    First Horizon Bank 301 South Mcdowell Street, Suite 100 Charlotte, NC 28204 Full Service B&M $324,144
    First Horizon Bank 3011 West End Avenue Nashville, TN 37203 Full Service B&M $62,450
    First Horizon Bank 3038 Columbia Avenue Franklin, TN 37064 Full Service B&M $50,789
    First Horizon Bank 30400 Overseas Highway Big Pine Key, FL 33043 Full Service B&M $36,353
    First Horizon Bank 305 W. Northfield Blvd Murfreesboro, TN 37129 Full Service B&M $353,878
    First Horizon Bank 3090 Boiling Springs Road Boiling Springs, SC 29316 Full Service B&M $50,291
    First Horizon Bank 3100 Edwards Mill Road Raleigh, NC 27608 Full Service B&M $47,663
    First Horizon Bank 3104 Teaster Lane Pigeon Forge, TN 37863 Full Service B&M $33,988
    First Horizon Bank 315 Poplar Avenue Memphis, TN 38103 Limited, Drive-thru $115
    First Horizon Bank 3151 Peters Creek Parkway Winston Salem, NC 27127 Full Service B&M $24,032
    First Horizon Bank 3180 Perkins Road Memphis, TN 38118 Full Service B&M $79,408
    First Horizon Bank 3212 Goodman Road Southaven, MS 38672 Full Service B&M $29,706
    First Horizon Bank 3225 Austin Peay Highway Memphis, TN 38128 Full Service B&M $65,359
    First Horizon Bank 3230 Peoples Street Johnson City, TN 37604 Full Service B&M $77,152
    First Horizon Bank 324 Cedar Bluff Road Knoxville, TN 37923 Full Service B&M $72,197
    First Horizon Bank 325 Leola Street Boone, NC 28607 Full Service B&M $50,407
    First Horizon Bank 325 Oil Well Road Jackson, TN 38305 Full Service B&M $240,466
    First Horizon Bank 330 Mayfield Drive Franklin, TN 37067 Full Service B&M $42,123
    First Horizon Bank 330 Whitehead Street Key West, FL 33041 Full Service B&M $102,453
    First Horizon Bank 5931 Stage Road Bartlett, TN 38134 Full Service B&M $105,827
    First Horizon Bank 3391 North Watkins Street Memphis, TN 38127 Full Service B&M $46,797
    First Horizon Bank 3401 Pelham Road Greenville, SC 29615 Full Service B&M $16,906
    First Horizon Bank 3405 Hancock Bridge Parkway North Fort Myers, FL 33903 Full Service B&M $39,175
    First Horizon Bank 3409 Poplar Avenue Memphis, TN 38111 Full Service B&M $110,930
    First Horizon Bank 345 South Jefferson Avenue Cookeville, TN 38501 Full Service B&M $282,478
    First Horizon Bank 3518 Gallatin Pike Nashville, TN 37216 Full Service B&M $100,679
    First Horizon Bank 3604 Tennessee Ave Chattanooga, TN 37409 Full Service B&M $53,755
    First Horizon Bank 3618 North Roosevelt Boulevard Key West, FL 33040 Full Service B&M $45,579
    First Horizon Bank 3685 Sw Cary Pkwy Cary, NC 27513 Full Service B&M $29,425
    First Horizon Bank 3870 Keith Street, Nw Cleveland, TN 37312 Full Service B&M $251,190
    First Horizon Bank 389 West Jackson Street Cookeville, TN 38501 Full Service B&M $47,580
    First Horizon Bank 3900 Western Avenue Knoxville, TN 37921 Full Service B&M $47,923
    First Horizon Bank 3932 Dayton Boulevard Chattanooga, TN 37415 Full Service B&M $58,791
    First Horizon Bank 401 South Mt Juliet Road, Suite 133 Mount Juliet, TN 37122 Full Service B&M $65,840
    First Horizon Bank 401 West Jackson Blvd Jonesborough, TN 37659 Full Service B&M $80,700
    First Horizon Bank 4014 Hillsboro Pike Nashville, TN 37215 Full Service B&M $83,315
    First Horizon Bank 4180 Elvis Presley Boulevard Memphis, TN 38116 Full Service B&M $93,603
    First Horizon Bank 420 Highway 52 West Portland, TN 37148 Full Service B&M $23,944
    First Horizon Bank 429 West Main Street Hendersonville, TN 37075 Full Service B&M $165,333
    First Horizon Bank 4301 Fort Henry Drive Kingsport, TN 37663 Full Service B&M $45,384
    First Horizon Bank 4330 Summer Avenue Memphis, TN 38122 Full Service B&M $74,581
    First Horizon Bank 440 Highway 52 Bypass West Lafayette, TN 37083 Full Service B&M $40,776
    First Horizon Bank 4410 White's Creek Whites Creek, TN 37189 Full Service B&M $45,656
    First Horizon Bank 4416 Chapman Highway Knoxville, TN 37920 Full Service B&M $77,317
    First Horizon Bank 4430 Highway 58 Chattanooga, TN 37416 Full Service B&M $57,982
    First Horizon Bank 445 South Main Street Burlington, NC 27215 Full Service B&M $76,998
    First Horizon Bank 462 New Leicester Highway Asheville, NC 28806 Full Service B&M $37,861
    First Horizon Bank 4655 Poplar Avenue Memphis, TN 38117 Full Service B&M $100,104
    First Horizon Bank 469 W Bockman Way Sparta, TN 38583 Full Service B&M $61,516
    First Horizon Bank 4699 Nob Hill Road Sunrise, FL 33351 Full Service B&M $37,996
    First Horizon Bank 4701 Country Club Road Winston Salem, NC 27104 Full Service B&M $75,668
    First Horizon Bank 471 Sam Ridley Parkway Smyrna, TN 37167 Full Service B&M $47,956
    First Horizon Bank 4771 Lebanon Pike Hermitage, TN 37076 Full Service B&M $55,551
    First Horizon Bank 4801 Glenwood Avenue Raleigh, NC 27612 Full Service B&M $695,195
    First Horizon Bank 4805 Kingston Pike Knoxville, TN 37919 Full Service B&M $121,498
    First Horizon Bank 4820 North Federal Highway Lighthouse Point, FL 33064 Full Service B&M $181,928
    First Horizon Bank 4840 Forest Drive Columbia, SC 29206 Full Service B&M $23,245
    First Horizon Bank 4841 Ramsey Street Fayetteville, NC 28311 Full Service B&M $82,324
    First Horizon Bank 4928 Highway 704 West Sandy Ridge, NC 27046 Full Service B&M $37,606
    First Horizon Bank 4938 Columbia Pike Spring Hill, TN 37174 Full Service B&M $106,666
    First Horizon Bank 495 Pinehurst Avenue Southern Pines, NC 28387 Full Service B&M $27,133
    First Horizon Bank 4990 Poplar Avenue Memphis, TN 38117 Full Service B&M $145,771
    First Horizon Bank 500 East Commerce Street Hernando, MS 38632 Full Service B&M $31,835
    First Horizon Bank 500 South Stratford Road Winston Salem, NC 27103 Full Service B&M $195,265
    First Horizon Bank 502 Merchants Drive Knoxville, TN 37912 Full Service B&M $76,984
    First Horizon Bank 503 Asheville Highway Greeneville, TN 37743 Full Service B&M $32,676
    First Horizon Bank 503 Huffman Mill Road Burlington, NC 27215 Full Service B&M $71,262
    First Horizon Bank 503 Winston Road Jonesville, NC 28642 Full Service B&M $37,174
    First Horizon Bank 5038 Alabama Highway Ringgold, GA 30736 Full Service B&M $46,119
    First Horizon Bank 506 Cape Coral Parkway Cape Coral, FL 33904 Full Service B&M $87,911
    First Horizon Bank 510 Highway 321 North Lenoir City, TN 37771 Full Service B&M $26,098
    First Horizon Bank 511 Union Street Nashville, TN 37219 Full Service B&M $2,700,801
    First Horizon Bank 521 Del Prado Boulevard Cape Coral, FL 33990 Full Service B&M $59,106
    First Horizon Bank 5211 Mufreesboro Road La Vergne, TN 37086 Full Service B&M $40,165
    First Horizon Bank 5225 North Broadway Knoxville, TN 37918 Full Service B&M $69,758
    First Horizon Bank 532 East Main Street Yadkinville, NC 27055 Full Service B&M $36,628
    First Horizon Bank 5401 Ringgold Road Chattanooga, TN 37412 Full Service B&M $69,193
    First Horizon Bank 5526 Brainerd Road Chattanooga, TN 37411 Full Service B&M $50,976
    First Horizon Bank 5914 Highway 58 Harrison, TN 37341 Full Service B&M $65,913
    First Horizon Bank 599 9th Street Naples, FL 34102 Full Service B&M $58,012
    First Horizon Bank 602 Cosby Highway Newport, TN 37821 Full Service B&M $37,464
    First Horizon Bank 615 Goodman Road East Southaven, MS 38671 Full Service B&M $313,335
    First Horizon Bank 616 North Kentucky Street Kingston, TN 37763 Full Service B&M $49,790
    First Horizon Bank 616 South Key Street Pilot Mountain, NC 27041 Full Service B&M $42,776
    First Horizon Bank 6290 Towncenter Drive Clemmons, NC 27012 Full Service B&M $33,934
    First Horizon Bank 635 Thompson Lane Nashville, TN 37204 Full Service B&M $66,395
    First Horizon Bank 6435 Naples Boulevard Naples, FL 34109 Full Service B&M $190,162
    First Horizon Bank 6440 Wilkinson Boulevard Belmont, NC 28012 Full Service B&M $26,899
    First Horizon Bank 651 Johnnie Dodds Boulevard Mount Pleasant, SC 29464 Full Service B&M $97,848
    First Horizon Bank 6511 Falls Of Neuse Road Raleigh, NC 27615 Full Service B&M $66,885
    First Horizon Bank 6595 Kirby Center Cove Memphis, TN 38115 Full Service B&M $59,428
    First Horizon Bank 668 Nashville Pike Gallatin, TN 37066 Full Service B&M $552,622
    First Horizon Bank 6792 Jordan Road Ramseur, NC 27316 Full Service B&M $24,445
    First Horizon Bank 6801 Maynardville Pike Knoxville, TN 37918 Full Service B&M $81,056
    First Horizon Bank 6816 Morrison Blvd Charlotte, NC 28211 Full Service B&M $56,382
    First Horizon Bank 685 West Academy Street Randleman, NC 27317 Full Service B&M $41,771
    First Horizon Bank 6891 Summer Avenue Bartlett, TN 38133 Full Service B&M $153,040
    First Horizon Bank 701 Market Street Chattanooga, TN 37402 Full Service B&M $1,663,433
    First Horizon Bank 701 South Main Street Mount Holly, NC 28120 Full Service B&M $46,007
    First Horizon Bank 707 College Avenue Sw Lenoir, NC 28645 Full Service B&M $111,548
    First Horizon Bank 7080 Shelby Drive Memphis, TN 38125 Full Service B&M $38,159
    First Horizon Bank 7082 Bakers Bridge Avenue Franklin, TN 37067 Full Service B&M $76,847
    First Horizon Bank 7220 Nolensville Road Nolensville, TN 37135 Full Service B&M $108,985
    First Horizon Bank 7430 Goodman Rd Olive Branch, MS 38654 Full Service B&M $67,927
    First Horizon Bank 7555 Mountain Grove Drive Knoxville, TN 37920 Full Service B&M $49,937
    First Horizon Bank 7640 Popular Avenue Germantown, TN 38138 Full Service B&M $260,379
    First Horizon Bank 7705 Carpenter Fire Station Road Cary, NC 27519 Full Service B&M $29,216
    First Horizon Bank 7741 Asheville Highway Knoxville, TN 37924 Full Service B&M $58,743
    First Horizon Bank 777 North Krome Avenue Homestead, FL 33030 Full Service B&M $79,988
    First Horizon Bank 7808 Farmington Blvd Germantown, TN 38138 Full Service B&M $112,142
    First Horizon Bank 7820 East Brainerd Road Chattanooga, TN 37421 Full Service B&M $70,558
    First Horizon Bank 7820 Walking Horse Circle Germantown, TN 38138 Limited, Mobile/Seasonal Office $5,291
    First Horizon Bank 7901 Concord Hills Drive Brentwood, TN 37027 Full Service B&M $37,035
    First Horizon Bank 800 South Gay Street Knoxville, TN 37929 Full Service B&M $1,394,275
    First Horizon Bank 800 State Street Bristol, TN 37620 Full Service B&M $58,089
    First Horizon Bank 8000 Trinity Road Cordova, TN 38018 Full Service B&M $153,158
    First Horizon Bank 804 South New Hope Road Gastonia, NC 28054 Full Service B&M $54,659
    First Horizon Bank 808 South Church Street Murfreesboro, TN 37130 Full Service B&M $66,314
    First Horizon Bank 80900 Overseas Highway Monroe County, FL 33036 Full Service B&M $58,366
    First Horizon Bank 8100 Health Center Boulevard Bonita Springs, FL 34135 Full Service B&M $51,525
    First Horizon Bank 8160 Sawyer Brown Road Nashville, TN 37221 Full Service B&M $97,152
    First Horizon Bank 8231 Magnolia Estates Dr Cornelius, NC 28031 Full Service B&M $29,388
    First Horizon Bank 85 25th Street Cleveland, TN 37311 Full Service B&M $51,347
    First Horizon Bank 8816 Six Forks Road, Suite 101 Raleigh, NC 27615 Full Service B&M $49,223
    First Horizon Bank 9133 Middlebrook Pike Knoxville, TN 37923 Full Service B&M $49,712
    First Horizon Bank 918 Merrimon Avenue Asheville, NC 28804 Full Service B&M $69,104
    First Horizon Bank 9185 Winchester Road Germantown, TN 38138 Full Service B&M $42,775
    First Horizon Bank 91980 Overseas Highway Monroe County, FL 33070 Full Service B&M $88,982
    First Horizon Bank 929 South Mcpherson Church Road Fayetteville, NC 28303 Full Service B&M $30,040
    First Horizon Bank 9312 Apison Pike Ooltewah, TN 37363 Full Service B&M $95,384
    First Horizon Bank 9579 South Dixie Highway Miami, FL 33156 Full Service B&M $70,542
    First Horizon Bank 960 East Parkway Gatlinburg, TN 37738 Full Service B&M $25,630
    First Horizon Bank 9607 Kingston Pike Knoxville, TN 37922 Full Service B&M $61,794
    First Horizon Bank 9632 Chapel Hill Road Morrisville, NC 27560 Full Service B&M $38,576
    First Horizon Bank 979 East Third Street Chattanooga, TN 37403 Full Service B&M $35,442
    First Horizon Bank 9820 Stringfellow Road Saint James City, FL 33956 Full Service B&M $46,805
    First Horizon Bank 99451 Overseas Highway Key Largo, FL 33037 Full Service B&M $71,675

    For 2020, First Horizon Bank had 269 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $1,910,147
    Net interest income $1,713,778
    Total noninterest income $1,461,817
    Gross Fiduciary activities income $50,978
    Service charges on deposit accounts $117,926
    Trading account gains and fees $406,291
    Additional Noninterest Income $886,622
    Pre-tax net operating income $1,025,881
    Securities gains (or losses, -) $-5,338
    Income before extraordinary items $927,874
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $927,874
    Minority interest net income $59
    Net income $927,815
    Sale, conversion, retirement of capital stock, net $678
    Net operating income $932,731

    First Horizon Bank's gross interest income from loans was $1,910,147,000.
    First Horizon Bank's net interest income from loans was $1,713,778,000.
    First Horizon Bank's fee based income from loans was $117,926,000.
    First Horizon Bank's net income from loans was $927,815,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $196,369
    Provision for credit losses $489,000
    Total noninterest expense $1,660,714
    Salaries and employee benefits $1,003,666
    Premises and equipment expense $154,380
    Additional noninterest expense $502,668
    Applicable income taxes $92,669
    Net charge-offs $119,201
    Cash dividends $191,469

    First Horizon Bank's interest expense for loans was $196,369,000.
    First Horizon Bank's payroll and benefits expense were $1,003,666,000.
    First Horizon Bank's property, plant and equipment expenses $154,380,000.

    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 2.0%
    All other family 1.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 0.8%
    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 $70,844,676
    Deposits held in domestic offices $70,844,676
    Deposits by Individuals, partnerships, and corporations $64,868,381
    Deposits by U.S. Government $78
    Deposits by States and political subdivisions in the U.S. $5,389,276
    Deposits by Commercial banks and other depository institutions in U.S. $586,941
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $15,647,241
    Demand deposits $12,598,281
    Nontransaction accounts $55,197,435
    Money market deposit accounts (MMDAs) $37,319,860
    Other savings deposits (excluding MMDAs) $12,805,358
    Total time deposits $5,072,218
    Total time and savings deposits $58,246,395
    Noninterest-bearing deposits $23,027,514
    Interest-bearing deposits $47,817,162
    Retail deposits $65,676,237
    IRAs and Keogh plan accounts $1,740,509
    Brokered deposits $3,921,108
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $83,885,052
    Cash & Balances due from depository institutions $9,545,033
    Interest-bearing balances $8,351,270
    Total securities $8,051,365
    Federal funds sold & reverse repurchase $445,211
    Net loans and leases $58,294,626
    Loan and leases loss allowance $963,311
    Trading account assets $1,480,425
    Bank premises and fixed assets $1,121,357
    Other real estate owned $16,612
    Goodwill and other intangibles $1,865,219
    All other assets $3,065,204

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $83,885,052
    Total Liabilities $75,405,508
    Total deposits $70,844,676
    Interest-bearing deposits $47,817,162
    Deposits held in domestic offices $70,844,676
    % insured (estimated) $54
    Federal funds purchased and repurchase agreements $2,032,762
    Trading liabilities $443,031
    Other borrowed funds $314,149
    Subordinated debt $493,392
    All other liabilities $1,277,498

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $58,294,626
    Loan and leases loss allowance $963,311
    Total loans and leases (domestic) $59,257,937
    All real estate loans $31,668,063
    Real estate loans in domestic offices $31,668,063
    Construction and development loans $2,715,879
    Residential 1-4 family construction $292,585
    Other construction, all land development and other land $2,423,294
    Loans secured by nonfarm nonresidential properties $14,172,393
    Nonfarm nonresidential secured by owner-occupied properties $6,661,495
    Commercial real estate & other non-farm, non-residential $7,510,898
    Multifamily residential real estate $1,917,378
    1-4 family residential loans $12,795,313
    Farmland loans $67,100
    Loans held in foreign offices $0
    Farm loans $36,719
    Commercial and industrial loans $16,309,486
    To non-U.S. addressees $545
    Loans to individuals $724,441
    Credit card loans $117,228
    Related Plans $186,970
    Consumer Auto Loans $60,845
    Other loans to individuals $359,398
    All other loans & leases $10,520,163
    Loans to foreign governments and official institutions $0
    Other loans $8,745,212
    Loans to depository institutions and acceptances of other banks $2,038
    Loans not secured by real estate $247,621
    Loans secured by real estate to non-U.S. addressees $173,269
    Restructured Loans & leases $196,133
    Non 1-4 family restructured loans & leases $83,204
    Total loans and leases (foreign) $0

    First Horizon Bank had $58,294,626,000 of loans outstanding in 2020. $31,668,063,000 of loans were in real estate loans. $2,715,879,000 of loans were in development loans. $1,917,378,000 of loans were in multifamily mortgage loans. $12,795,313,000 of loans were in 1-4 family mortgage loans. $36,719,000 of loans were in farm loans. $117,228,000 of loans were in credit card loans. $60,845,000 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 5,190 $1,510,279 $290,998
    Nonfarm, nonresidential loans - <$100k 427 $17,474 $40,923
    Nonfarm, nonresidential loans - $100-250k 1,380 $158,871 $115,124
    Nonfarm, nonresidential loans - $250k-1MM 3,383 $1,333,934 $394,305
    Commercial & Industrial, US addressed loans - <$1MM 57,552 $3,557,222 $61,809
    Commercial & Industrial, US addressed loans - <$100k 44,954 $850,960 $18,930
    Commercial & Industrial, US addressed loans - $100-250k 6,805 $806,050 $118,450
    Commercial & Industrial, US addressed loans - $250k-1MM 5,793 $1,900,212 $328,019
    Farmland loans - <$1MM 54 $8,675 $160,648
    Farmland loans - <$100k 12 $513 $42,750
    Farmland loans - $100-250k 22 $2,266 $103,000
    Farmland loans - $250k-1MM 20 $5,896 $294,800
    Agriculture operations loans - <$1MM 239 $13,459 $56,314
    Agriculture operations loans - <$100k 146 $3,249 $22,253
    Agriculture operations loans - $100-250k 61 $5,061 $82,967
    Agriculture operations loans - $250k-1MM 32 $5,149 $160,906