Applications / Mortgage Analytics / Lenders / Tennessee / Wellworth Bank
Lafayette, TN · State non-member bank · FDIC · $1.8 billion assets · 615 loans in 2025
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615
loans originated, 2025
630
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Wellworth Bank, renamed from Citizens Bank of Lafayette in 2025, is a mostly rural Tennessee bank making small loans for other purposes and refinances, whose originations fell 28% in 2025.
Other purposes made up 34.1% of its loans, refinances 33.0%, home improvement 16.7% and purchases 16.1%. Its typical loan was $105,000, against $190,000 for similar lenders (state non-member banks making between half and twice as many loans), among the lowest tenth. All its loans were conventional.
Originations fell to 615 from 853, while the typical peer grew 9% and the whole market 10%, lower than nearly all peers. Its volume stood between 221 and 247 a year from 2018 to 2021, then jumped to 1,029 in 2022. A lender weighted to refinances and other-purpose loans may see large swings as borrowers' demand changes.
23.4% of its loans were in low- and moderate-income (LMI) tracts, against 15.6% for peers, higher than more than four in five of them, and 31.4% went to LMI borrowers, against 26.7%. Both are lower than five years earlier, when the bank was much smaller.
Its largest market is non-metro Tennessee, where it ranks 25 of 746 lenders. In Nashville-Davidson--Murfreesboro--Franklin, where it has lent since before 1990, its share fell from 0.4% to 0.2% of the dollars, rank 100 of 821, in a market led by United Wholesale Mortgage and Rocket Mortgage. One possible reason is its lower dollar volume overall, $111.1 million against $165.3 million.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Wellworth Bank took 630 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 34.1% · Refinance 33.0% · Home improvement 16.7% · Purchase 16.1%
Conventional 100.0% · of 615 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 | 603 | 98.0% |
| Kentucky | 9 | 1.5% |
| Florida | 2 | 0.3% |
| Alabama | 1 | 0.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Nashville-Davidson--Murfreesboro--Franklin | 222 |
| Bowling Green | 8 |
| Panama City-Panama City Beach | 2 |
| Knoxville | 1 |
| Morristown | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300W4TWSN8U8TGD72 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 63733 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 31711 | 1995–2017 |
Established 1 July 1909. Reported under HMDA 1995-2025.
Mergers, name changes, data editions and corrections: Wellworth Bank's data.
Wellworth Bank's data
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