Applications / Mortgage Analytics / Lenders / Tennessee / First Horizon Bank
Memphis, TN · State member bank · FRS · $83.6 billion assets · 8,447 loans in 2025
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8,447
loans originated, 2025
13,363
applications, 2025
40
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First Horizon Bank is a large-loan lender among similar banks, with jumbo loans at 13.6% of originations against 4.9% for the group, and it gained share in New Orleans while losing it in Nashville.
Similar lenders are state member banks making between half and twice as many loans. First Horizon Bank's jumbo loans (larger than the conforming limit) were higher than at nearly nine in ten of them, though down from 17.0% a year earlier. Its typical loan of $275,000 compares with $215,000 for the group, in line with its jumbo lending.
Its New Orleans-Metairie share rose from 4.8% to 5.9%, ranking 2 of 371 behind Gulf Coast Bank and Trust Company. In Nashville its share fell from 1.7% to 1.4%, at 16 of 821; strong competition from United Wholesale Mortgage and local banks, or a tighter focus on larger loans, are possible reasons.
LMI (low- and moderate-income) borrowers took 19.3% of its loans, lower than about four in five similar lenders, and LMI areas 12.2%, lower than nearly nine in ten. A mix weighted towards larger loans could explain both, as could the incomes in the metros it serves. Majority-minority areas, at 17.5%, were near the middle, as was its denial rate on first-lien home-purchase applications on owner-occupied homes: 6.6%, against 8.6%.
Originations jumped from 5,101 in 2020 to 20,362 in 2021, after the 2020 Iberiabank merger, then fell to 7,808 before rising 8% to 8,447.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. First Horizon Bank took 13,363 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 53.2% · Refinance 21.0% · Home improvement 18.5% · Other 7.2%
Conventional 93.6% · FHA 3.8% · VA 2.0% · USDA (RHS or FSA) 0.5% · of 8,447 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Tennessee | 2,513 | 29.8% |
| Louisiana | 1,305 | 15.4% |
| Florida | 1,045 | 12.4% |
| Texas | 905 | 10.7% |
| North Carolina | 690 | 8.2% |
| Arkansas | 628 | 7.4% |
| Georgia | 426 | 5.0% |
| Alabama | 320 | 3.8% |
| Mississippi | 167 | 2.0% |
| Missouri | 110 | 1.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Nashville-Davidson--Murfreesboro--Franklin | 784 |
| New Orleans-Metairie | 555 |
| Memphis | 552 |
| Knoxville | 489 |
| Dallas-Plano-Irving | 415 |
| Houston-Pasadena-The Woodlands | 341 |
| Little Rock-North Little Rock-Conway | 309 |
| Atlanta-Sandy Springs-Roswell | 273 |
| Chattanooga | 217 |
| Lafayette | 206 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | COOWI3L2W9TPYR3WJX37 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 485559 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 1336 | 1990–2010 |
| Respondent ID (the HMDA filer code before 2018) | 9485559 | 2011–2017 |
Established 1 January 1864. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: First Horizon Bank's data.
First Horizon Bank's data
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First Horizon Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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