Applications / Mortgage Analytics / Lenders / Tennessee / Community Bank
Lexington, TN · State member bank · FRS · $347 million assets · 120 loans in 2025
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120
loans originated, 2025
134
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Community Bank grew 28% in 2025 and gained share in Jackson, Tennessee, where it ranks 15 of 248, with more of its loans in low- and moderate-income and majority-minority neighbourhoods than most similar lenders.
Originations rose from 94 to 120, faster than about three in four similar lenders (state member banks making between half and twice as many loans), whose typical growth was 8%. In Jackson its share rose to 2.0% from 1.5%, behind Leaders Credit Union and the national lenders. It filed no report for 2020 and 2021, so those years are gaps, not zeros; its peak among reported years was 129 in 2022.
Of its loans, 30.0% were in LMI (low- and moderate-income) tracts and 22.5% in majority-minority tracts, both higher than over four in five peers. Yet LMI borrowers fell to 12.5% from 22.4%, against a typical 27.1%. Higher-income borrowers buying or refinancing in those areas is one possible reason; a year-to-year swing in a book of 120 loans is another.
Its typical loan of $140,000 is lower than about three in four peers' $175,000, and all loans were conventional, which could reflect its mainly non-metro Tennessee markets rather than costly metros.
Manufactured homes were 9.2% of its loans, against 2.3% for similar lenders, higher than about four in five of them. Such loans tend to be smaller, which may also help explain its loan size. Its denial rates rest on too few applications to show.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Community Bank took 134 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 55.0% · Refinance 30.8% · Home improvement 10.0% · Other 4.2%
Conventional 100.0% · of 120 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 | 119 | 99.2% |
| Georgia | 1 | 0.8% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Jackson | 73 |
| Dalton | 1 |
| Memphis | 1 |
| Nashville-Davidson--Murfreesboro--Franklin | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493002HHKWZSFP7AI61 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 361279 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 2361279 | 2007–2017 |
Established 4 August 1961. Reported under HMDA 2007-2025.
Mergers, name changes, data editions and corrections: Community Bank's data.
Community Bank's data
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Community 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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