Applications / Mortgage Analytics / Lenders / Tennessee / Bank of Frankewing
Frankewing, TN · State non-member bank · FDIC · $446 million assets · 143 loans in 2025
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143
loans originated, 2025
211
applications, 2025
6
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Bank of Frankewing is a Tennessee bank that does most of its lending in Alabama and leans on government-backed loans far more than banks like it.
FHA loans (insured by the Federal Housing Administration) made up 32.9% of its lending and VA loans (guaranteed by the Department of Veterans Affairs) 9.1%. Those were the highest shares among similar lenders (state non-member banks making between half and twice as many loans), at least half of which made none.
It first reported in 2021, with 141 loans. The count climbed to 395 in 2024, then fell 64% to 143 in 2025, the steepest drop among similar lenders, which typically grew 9%. Yet 2025 sits close to its 2021 and 2022 levels; 2024 was the outlier. The figures do not show what drove the 2024 rise.
Alabama is its main state, and it lends in 6 states and 11 metros. In Huntsville, AL its share fell from 1.0% to 0.3%, ranking 82 of 440, which may simply reflect its smaller volume. It ranks 130 of 746 lenders in non-metro Tennessee.
Low- and moderate-income (LMI) borrowers took 36.2% of its loans, against 28.1% at similar lenders, higher than at about three-quarters of them.
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, 2021–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Bank of Frankewing took 211 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 67.1% · Refinance 23.1% · Other 7.0% · Home improvement 2.8%
Conventional 58.0% · FHA 32.9% · VA 9.1% · of 143 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 |
|---|---|---|
| Alabama | 71 | 49.7% |
| Tennessee | 66 | 46.2% |
| South Carolina | 3 | 2.1% |
| Colorado | 1 | 0.7% |
| Florida | 1 | 0.7% |
| Virginia | 1 | 0.7% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Huntsville | 43 |
| Birmingham | 10 |
| Nashville-Davidson--Murfreesboro--Franklin | 9 |
| Decatur | 6 |
| Florence-Muscle Shoals | 6 |
| Greenville-Anderson-Greer | 3 |
| Auburn-Opelika | 1 |
| Crestview-Fort Walton Beach-Destin | 1 |
| Denver-Aurora-Centennial | 1 |
| Gadsden | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900IUXHAK73AEH918 | 2021–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 166531 | 2022–2023 |
Established 13 December 1920. Reported under HMDA 2021-2025.
Mergers, name changes, data editions and corrections: Bank of Frankewing's data.
Bank of Frankewing's data
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