Applications / Mortgage Analytics / Lenders / Tennessee / Wilson Bank and Trust
Lebanon, TN · State non-member bank · FDIC · $5.9 billion assets · 1,363 loans in 2025
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1,363
loans originated, 2025
1,983
applications, 2025
7
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Wilson Bank and Trust is a Tennessee bank that ranks 9 of 821 lenders in Nashville, with more of its loans in LMI (low- and moderate-income) areas than nearly all similar banks.
Originations fell 7% to 1,363, while similar lenders (state non-member banks making between half and twice as many loans) grew 11% and the whole market 10%; its change was lower than at nearly nine in ten peers. Dollar volume fell from $592.1 million to $510.8 million, and its jumbo share (loans larger than the conforming limit) from 7.0% to 4.8%. Less demand for its larger loans and more competition are possible reasons.
In Nashville, where it has lent since before 1990, it ranked 9 of 821 with 1.7% of the market, 0.5 points lower than in 2024; United Wholesale Mortgage and Rocket Mortgage led. Its share also fell 0.2 points in Knoxville and 0.1 points in Chattanooga. Its lower overall volume and competition from national lenders may explain these small falls.
LMI areas took 25.4% of its loans, against 14.8%, higher than at nearly all similar lenders, and majority-minority areas 12.4%, against 7.4%, though down from 17.4% in 2024. LMI borrowers took 27.3%, near the middle of peers' 27.7%.
Home purchases were 43.3% of its loans, other purposes 22.1%, refinances 21.5% and home improvement 13.1%. Its home-purchase denial rate, 5.9%, was near the middle of peers' 5.8%. Volume remains well below the 2,602 loans of 2021.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Wilson Bank and Trust took 1,983 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 43.3% · Other 22.1% · Refinance 21.5% · Home improvement 13.1%
Conventional 98.2% · FHA 1.0% · VA 0.5% · USDA (RHS or FSA) 0.3% · of 1,363 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 | 1,343 | 98.5% |
| Alabama | 9 | 0.7% |
| Georgia | 4 | 0.3% |
| Florida | 2 | 0.1% |
| Kentucky | 2 | 0.1% |
| South Carolina | 2 | 0.1% |
| Mississippi | 1 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Nashville-Davidson--Murfreesboro--Franklin | 1,147 |
| Chattanooga | 26 |
| Huntsville | 9 |
| Knoxville | 5 |
| Cleveland | 3 |
| Clarksville | 2 |
| Cape Coral-Fort Myers | 1 |
| Greenville-Anderson-Greer | 1 |
| Hilton Head Island-Bluffton-Port Royal | 1 |
| Memphis | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900PVWALA7JTBXA31 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 159636 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 326962 | 1990–2017 |
Established 11 May 1987. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Wilson Bank and Trust's data.
Wilson Bank and Trust's data
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Wilson Bank and Trust 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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