Applications / Mortgage Analytics / Lenders / Tennessee / Builtwell Bank
Chattanooga, TN · State non-member bank · FDIC · $2.3 billion assets · 601 loans in 2025
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601
loans originated, 2025
814
applications, 2025
6
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Builtwell Bank is a Chattanooga bank lending mainly to refinance, and its 601 loans in 2025 were 33% more than in 2024, faster than nearly nine in ten similar banks.
Originations rose 33%, against 9% at similar lenders (state non-member banks making between half and twice as many loans) and 10% for the whole market. It merged with Bank of Cleveland in 2025, one possible source of the rise. In Cleveland, TN its share rose 1.5 points to 2.2%, ranking 11 of 258.
Refinances made up 50.2% of its loans, other purposes 20.0%, purchases 19.6% and home improvement 10.1%. Its typical loan, $135,000, was smaller than at about three in four peers, whose typical loan was $185,000. Manufactured homes were 4.0% of its loans, against 1.7%.
Low- and moderate-income (LMI) areas took 25.7% of its loans, against 15.6% at similar lenders, more than about nine in ten of them. LMI borrowers took 22.1%, down from 29.3% and lower than about two-thirds of peers; refinances to existing owners with incomes above the LMI line are one possible reason.
In Chattanooga it ranked 16 of 525 with 1.4%, down 0.3 points; Rocket Mortgage led. In Dalton its share rose 0.6 points to 2.5%. Gains in Cleveland and Dalton may suggest some lending moved to nearby markets.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Builtwell Bank took 814 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 50.2% · Other 20.0% · Purchase 19.6% · Home improvement 10.1%
Conventional 99.3% · FHA 0.7% · of 601 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 | 418 | 69.6% |
| Georgia | 172 | 28.6% |
| Kentucky | 5 | 0.8% |
| Alabama | 3 | 0.5% |
| Florida | 2 | 0.3% |
| North Carolina | 1 | 0.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Chattanooga | 243 |
| Cleveland | 74 |
| Knoxville | 72 |
| Dalton | 54 |
| Rome | 6 |
| Kingsport-Bristol | 3 |
| Marietta | 3 |
| Atlanta-Sandy Springs-Roswell | 2 |
| Nashville-Davidson--Murfreesboro--Franklin | 2 |
| Charlotte-Concord-Gastonia | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 54930095LY1EDFTWAG29 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 234739 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 310307 | 1990–2017 |
Established 3 May 1904. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Builtwell Bank's data.
Builtwell Bank's data
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Builtwell 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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