Applications / Mortgage Analytics / Lenders / Tennessee / One Bank of Tennessee
Cookeville, TN · State non-member bank · FDIC · $1.7 billion assets · 543 loans in 2025
One Bank of Tennessee's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
543
loans originated, 2025
574
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
One Bank of Tennessee, a Tennessee bank lending mostly for refinances and home purchases, made 543 loans in 2025, 21% more than in 2024 and faster growth than most similar lenders and the whole market.
Originations rose 21%, against 9% at similar lenders (state non-member banks making between half and twice as many loans) and 10% for the whole market, higher than about four in five of them. Its dollar volume rose to $141.5 million from $90.9 million, and its typical loan to $165,000 from $145,000. It remains below the 749 loans of 2022.
Refinances were 50.5% of its loans and purchases 37.6%, and every loan was conventional. Manufactured homes were 8.5% of its loans, against 1.5% at similar lenders. Its refinance denial rate, 6.1%, was lower than the 13.5% at similar lenders, and its home-purchase rate, 4.4%, close to their 5.1%.
Majority-minority areas took 0.2% of its loans, against 8.0% at similar lenders, among the lowest tenth, and down from 7.5% in 2024. LMI (low- and moderate-income) borrowers took 21.5%, against 27.5% at peers. One possible reason is its footprint: 30 counties, mostly in Tennessee, with non-metro Tennessee its largest market.
In non-metro Tennessee it ranked 13 of 746 lenders, behind Rocket Mortgage and United Wholesale Mortgage at the top. In Knoxville it ranked 106 of 599 with 0.2% of the market, up 0.1 points. In 2025 it first lent in Jacksonville and Crestview-Fort Walton Beach-Destin, each with a very small share.
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, 2020–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. One Bank of Tennessee took 574 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 50.5% · Purchase 37.6% · Other 6.6% · Home improvement 5.3%
Conventional 100.0% · of 543 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 | 541 | 99.6% |
| Florida | 2 | 0.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Knoxville | 57 |
| Nashville-Davidson--Murfreesboro--Franklin | 14 |
| Morristown | 2 |
| Crestview-Fort Walton Beach-Destin | 1 |
| Jacksonville | 1 |
| Johnson City | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900DGJQT6H4M24F92 | 2020–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 99536 | 2022–2023 |
Established 1 November 1901. Reported under HMDA 2020-2025.
Mergers, name changes, data editions and corrections: One Bank of Tennessee's data.
One Bank of Tennessee's data
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One 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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