Applications / Mortgage Analytics / Lenders / Tennessee / Bank of Bartlett
Bartlett, TN · State member bank · FRS · $563 million assets · 275 loans in 2025
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275
loans originated, 2025
604
applications, 2025
7
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Bank of Bartlett, a Tennessee state bank, makes an unusually large share of its loans for home improvement, and lends far more than its peers in majority-minority neighborhoods.
Home-improvement loans made up 25.5% of its lending in 2025, and purchases 37.8%. That mix may explain why its typical loan, $145,000, was smaller than at about three in four similar lenders (state member banks making between half and twice as many loans), where it was $195,000.
It made 275 loans, down 33% from 413, while similar lenders grew 7%. The fall follows a jump: it made between 167 and 214 loans a year from 2018 to 2022, then 527 in 2023. Its 2025 count still sits above that earlier range.
Neighborhoods where most residents belong to minority groups took 26.2% of its loans, more than at almost nine in ten similar lenders, whose typical share was 4.9%. That may reflect the neighborhoods it serves in and around Memphis, its largest market, where it has lent since at least 1990.
Its typical rate was 6.99%, a little higher than the 6.69% at similar lenders. Higher-priced loans (a rate well above the average for similar loans) were 2.4% of its lending, close to the typical 2.3%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Bank of Bartlett took 604 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 37.8% · Home improvement 25.5% · Refinance 25.1% · Other 11.6%
Conventional 100.0% · of 275 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 | 242 | 88.0% |
| Mississippi | 26 | 9.5% |
| Arkansas | 3 | 1.1% |
| Alabama | 1 | 0.4% |
| Florida | 1 | 0.4% |
| North Carolina | 1 | 0.4% |
| Texas | 1 | 0.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Memphis | 262 |
| Charlotte-Concord-Gastonia | 1 |
| Crestview-Fort Walton Beach-Destin | 1 |
| Fort Worth-Arlington-Grapevine | 1 |
| Knoxville | 1 |
| Nashville-Davidson--Murfreesboro--Franklin | 1 |
| Tuscaloosa | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493001EXVWX6Q13MY44 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 225559 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 323123 | 1990–2003 |
| Respondent ID (the HMDA filer code before 2018) | 2225559 | 2004–2017 |
Established 19 May 1980. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Bank of Bartlett's data.
Bank of Bartlett's data
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Bank of Bartlett 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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