Applications / Mortgage Analytics / Lenders / Tennessee / Bank of Tennessee
Kingsport, TN · State non-member bank · FDIC · $2.0 billion assets · 383 loans in 2025
Bank of Tennessee's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
383
loans originated, 2025
603
applications, 2025
8
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Bank of Tennessee is shrinking fast: its loans fell 34% in 2025, to 383, while similar lenders grew 9%.
The bank made 1,190 loans five years before; now it makes 383. Its fall last year was steeper than at almost every similar lender (state non-member banks making between half and twice as many loans). Its share of the Johnson City market fell to 2.1% from 3.2%, and it also lost ground in Knoxville and Nashville. It may have chosen to pull back from markets beyond its home; the data do not give the reason.
Kingsport-Bristol is the exception. There its share edged up to 1.1%, from 1.0%, and it ranks 19th of 324 lenders. It has lent in Kingsport-Bristol and Johnson City since at least 1990, when the public data begin.
Loans insured by the Federal Housing Administration (FHA) were 7.3% of its lending, and it also makes loans guaranteed by the Department of Veterans Affairs and the Department of Agriculture's Rural Housing Service. The typical similar lender makes none of these. Manufactured homes were 5.7% of its loans, against 1.9%.
Higher-priced loans (a rate well above the average for similar loans) were 6.4% of its lending, against 1.7% at similar lenders. Its FHA and manufactured-home loans, which together make up a larger share than that, could account for most of the gap. Its typical rate, 6.79%, was close to its peers' 6.75%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 Tennessee took 603 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 63.7% · Refinance 15.9% · Other 12.8% · Home improvement 7.6%
Conventional 88.0% · FHA 7.3% · USDA (RHS or FSA) 2.6% · VA 2.1% · of 383 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 | 315 | 82.2% |
| North Carolina | 47 | 12.3% |
| Virginia | 12 | 3.1% |
| Kentucky | 3 | 0.8% |
| Florida | 2 | 0.5% |
| Indiana | 2 | 0.5% |
| Louisiana | 1 | 0.3% |
| South Carolina | 1 | 0.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Johnson City | 116 |
| Nashville-Davidson--Murfreesboro--Franklin | 82 |
| Kingsport-Bristol | 69 |
| Knoxville | 33 |
| Asheville | 2 |
| Hickory-Lenoir-Morganton | 2 |
| Alexandria | 1 |
| Blacksburg-Christiansburg-Radford | 1 |
| Charlotte-Concord-Gastonia | 1 |
| Chattanooga | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300CTISSNREVLNO46 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 340135 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 321573 | 1990–2017 |
Established 13 May 1974. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Bank of Tennessee's data.
Bank of Tennessee's data
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