Applications / Mortgage Analytics / Lenders / Tennessee / Home Federal Bank of Tennessee
Knoxville, TN · Savings institution · OCC · $2.7 billion assets · 827 loans in 2025
Home Federal Bank of Tennessee's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
827
loans originated, 2025
979
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Home Federal Bank of Tennessee is a Knoxville savings institution that grew 22% in 2025, faster than about four in five similar lenders, and holds fifth place in its home market.
Originations rose 22% to 827, against 5% for the typical similar lender (savings institutions making between half and twice as many loans) and 10% for the whole market. Its loans fell from 1,304 in 2020 to 643 in 2023, so 2025 is the second year of recovery, still below that peak.
In Knoxville it ranks 5 of 599 lenders, with 2.7% of the dollars against 2.5% a year earlier, behind Mortgage Investors Group, United Wholesale Mortgage, Rocket Mortgage and ORNL Federal Credit Union. It has lent there since before 1990.
Every loan in 2025 was conventional, with no government-backed lending. Purchases were 48.6% of loans and home improvement 23.9%. Its typical rate, 5.99%, was lower than at nearly all similar lenders, and its home-purchase denial rate, 0.8%, was lower than the 5.4% of the typical peer.
Only 9.2% of its loans were in low- and moderate-income (LMI) tracts, against 15.0% for similar lenders, among the lowest tenth; it was 14.4% in 2024. Possible reasons are the make-up of the 19 counties it lends in, centred on Knoxville, and its weight in purchase and home-improvement lending.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Home Federal Bank of Tennessee took 979 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 48.6% · Home improvement 23.9% · Refinance 16.0% · Other 11.5%
Conventional 100.0% · of 827 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 | 826 | 99.9% |
| North Carolina | 1 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Knoxville | 753 |
| Morristown | 15 |
| Chattanooga | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493001M37Q8TJKTP708 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 105473 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 43879 | 1990–2010 |
| Respondent ID (the HMDA filer code before 2018) | 1703879 | 2011–2017 |
Established 15 June 1936. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Home Federal Bank of Tennessee's data.
Home Federal Bank of Tennessee's data
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Home Federal Bank of Tennessee 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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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.
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