Applications / Mortgage Analytics / Lenders / Tennessee / Decatur County Bank
Decaturville, TN · State member bank · FRS · $317 million assets · 79 loans in 2025
Decatur County Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
79
loans originated, 2025
106
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Decatur County Bank nearly doubled its loans in 2025, growing faster than almost all similar lenders and passing its 2018 count.
Originations rose 98%, from 40 to 79, against 9% for the typical similar lender (a state member bank making between half and twice as many loans) and 10% for the whole market. That puts it above its 2018 count of 71. It filed no report for 2020 to 2022, so those years are gaps in the record, not years without lending.
In Jackson, Tennessee it ranks 20 of 248 and its share rose to 1.0% from 0.8%. It first lent in Crestview-Fort Walton Beach-Destin in 2025. Unlike last year, 3.8% of its loans were guaranteed by RHS (the Department of Agriculture's Rural Housing Service), too few to read much into.
LMI (low- and moderate-income) borrowers took 27.0% of loans, almost exactly the typical 27.1%, and its 19.0% share in majority-minority tracts is higher than about three in four peers.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Decatur County Bank took 106 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 57.0% · Purchase 43.0%
Conventional 96.2% · USDA (RHS or FSA) 3.8% · of 79 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 | 77 | 97.5% |
| Florida | 1 | 1.3% |
| Mississippi | 1 | 1.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Jackson | 40 |
| Memphis | 2 |
| Crestview-Fort Walton Beach-Destin | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900S61OCEX8MXZI58 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 66154 | 2011–2023 |
| Respondent ID (the HMDA filer code before 2018) | 36101 | 2011–2014 |
| Respondent ID (the HMDA filer code before 2018) | 266154 | 2015–2017 |
Established 16 November 1899. Reported under HMDA 2011-2025.
Mergers, name changes, data editions and corrections: Decatur County Bank's data.
Decatur County Bank's data
$215
Decatur County 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.
Buy Decatur County Bank's data, $215Jenner Mortgage Analytics: all the data
$2,110
Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]