Applications / Mortgage Analytics / Lenders / Tennessee / SmartBank
Pigeon Forge, TN · State member bank · FRS · $5.9 billion assets · 1,025 loans in 2025
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1,025
loans originated, 2025
1,369
applications, 2025
10
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
SmartBank, a Tennessee bank, grew its originations 24% in 2025, faster than similar lenders and the whole market, and gained share in Knoxville and Huntsville.
Originations rose 24% to 1,025, against 7% at similar lenders (state member banks making between half and twice as many loans) and 10% for the whole market; that was faster than nearly nine in ten of them. No merger in its record falls in 2025; its last was in 2021. Volume was close to its 1,097 loans of 2022.
Its share of Knoxville rose 0.3 points to 0.9%, where it ranked 26 of 599 lenders, and in Huntsville it rose 0.4 points to 0.5%, ranking 53 of 440. In Chattanooga, a market it has served since before 1990, it held 1.4% and ranked 17 of 525.
Its typical loan was $235,000 against $205,000 at peers, and 6.1% of its loans were jumbo (larger than the conforming limit), a higher share than more than eight in ten similar lenders. FHA (insured by the Federal Housing Administration) loans were 4.9% and VA (guaranteed by the Department of Veterans Affairs) loans 3.0%, against 1.6% and 0.5% at peers.
LMI (low- and moderate-income) borrowers took 16.2% of its loans, against 28.1% at similar lenders, among the lowest tenth. Its larger loans and the markets it serves are possible reasons; the share was 16.9% five years before.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. SmartBank took 1,369 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 52.7% · Other 20.0% · Home improvement 15.1% · Refinance 12.2%
Conventional 91.9% · FHA 4.9% · VA 3.0% · USDA (RHS or FSA) 0.2% · of 1,025 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 | 662 | 64.6% |
| Alabama | 258 | 25.2% |
| Florida | 61 | 6.0% |
| Georgia | 31 | 3.0% |
| South Carolina | 5 | 0.5% |
| North Carolina | 2 | 0.2% |
| Illinois | 1 | 0.1% |
| Louisiana | 1 | 0.1% |
| Mississippi | 1 | 0.1% |
| Virginia | 1 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Knoxville | 170 |
| Chattanooga | 148 |
| Huntsville | 78 |
| Nashville-Davidson--Murfreesboro--Franklin | 64 |
| Cleveland | 60 |
| Tuscaloosa | 44 |
| Panama City-Panama City Beach | 25 |
| Dothan | 21 |
| Birmingham | 20 |
| Daphne-Fairhope-Foley | 18 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300GZY55UGMUMI322 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3532641 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 23532641 | 2010–2017 |
Established 8 January 2007. Reported under HMDA 2010-2025.
Mergers, name changes, data editions and corrections: SmartBank's data.
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