Applications / Mortgage Analytics / Lenders / Tennessee / First National Bank of Middle Tennessee
McMinnville, TN · National bank · OCC · $938 million assets · 537 loans in 2025
First National Bank of Middle Tennessee's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
537
loans originated, 2025
698
applications, 2025
14
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First National Bank of Middle Tennessee is a Tennessee national bank that lends mostly for home purchases with a large government-backed book, and its 537 loans in 2025 were 15% more than in 2024.
FHA loans (insured by the Federal Housing Administration) were 27.0% of its loans, VA loans (guaranteed by the Department of Veterans Affairs) 5.6% and RHS loans (guaranteed by the Department of Agriculture's Rural Housing Service) 5.0%. Similar lenders (national banks making between half and twice as many loans) made almost none, and its FHA share was the highest among them. Conventional loans were 62.4%, against 98.8%.
Home purchases were 79.5% of its loans. Its typical loan, $285,000, was higher than the $205,000 at peers. Its higher-priced share (a rate well above the average for similar loans), 0.9%, was lower than the 2.3% at peers, and manufactured homes were 6.3% of its loans, against 1.1%.
Originations rose 15%, against 5% at peers and 10% for the whole market. It has grown each year since 342 loans in 2023. In Nashville it ranked 55 of 821 with 0.5%, unchanged, and in non-metro Tennessee 30 of 746.
LMI (low- and moderate-income) borrowers took 29.6% of its loans, against 26.0% at peers, and LMI areas 19.2%, against 15.5%, higher than about three in four peers. Its government-backed lending is one possible reason.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. First National Bank of Middle Tennessee took 698 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 79.5% · Refinance 18.2% · Home improvement 1.1% · Other 1.1%
Conventional 62.4% · FHA 27.0% · VA 5.6% · USDA (RHS or FSA) 5.0% · of 537 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 | 501 | 93.3% |
| Kentucky | 8 | 1.5% |
| Georgia | 5 | 0.9% |
| South Carolina | 5 | 0.9% |
| Alabama | 4 | 0.7% |
| Arkansas | 2 | 0.4% |
| Florida | 2 | 0.4% |
| Mississippi | 2 | 0.4% |
| Ohio | 2 | 0.4% |
| Texas | 2 | 0.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Nashville-Davidson--Murfreesboro--Franklin | 258 |
| Jackson | 12 |
| Lexington-Fayette | 7 |
| Chattanooga | 5 |
| Clarksville | 4 |
| Memphis | 4 |
| Knoxville | 3 |
| Cleveland | 2 |
| Crestview-Fort Walton Beach-Destin | 2 |
| Daphne-Fairhope-Foley | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300RP3DLR09NF6157 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 87234 | 2012–2023 |
| Respondent ID (the HMDA filer code before 2018) | 12221 | 2012–2017 |
Established 30 October 1874. Reported under HMDA 2012-2025.
Mergers, name changes, data editions and corrections: First National Bank of Middle Tennessee's data.
First National Bank of Middle Tennessee's data
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First National Bank of Middle 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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