Applications / Mortgage Analytics / Lenders / Tennessee / Carroll Bank and Trust
Huntingdon, TN · State member bank · FRS · $649 million assets · 492 loans in 2025
Carroll Bank and Trust's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
492
loans originated, 2025
526
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Carroll Bank and Trust lends small sums for refinancing and manufactured homes, and it made 23% more loans in 2025.
Manufactured homes were 20.3% of its loans, against 1.4% at similar lenders (state member banks making between half and twice as many loans), higher than at nearly all of them. Refinancing made up 66.5% of its loans. Its typical loan, $105,000, was lower than at almost all similar lenders.
Its loans rose to 492 from 399, while similar lenders grew 7% and the whole market 10%; its growth was faster than at about four in five. From 2021 to 2024 it made close to 400 loans a year.
In Jackson, TN, which it entered in 2019, its share more than doubled to 1.9% from 0.8%, ranking 16 of 248 lenders. Leaders Credit Union leads that market.
It turned down 2.6% of decided refinance applications, against 15.0% at similar lenders, the lowest among the 13 with a rate.
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, 2019–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Carroll Bank and Trust took 526 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 66.5% · Purchase 28.9% · Other 3.7% · Home improvement 1.0%
Conventional 100.0% · of 492 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 | 490 | 99.6% |
| Florida | 1 | 0.2% |
| Kentucky | 1 | 0.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Jackson | 84 |
| Clarksville | 3 |
| Nashville-Davidson--Murfreesboro--Franklin | 2 |
| Crestview-Fort Walton Beach-Destin | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300RN1POVRDD21477 | 2019–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 541857 | 2019–2023 |
Established 9 September 1907. Reported under HMDA 2019-2025.
Mergers, name changes, data editions and corrections: Carroll Bank and Trust's data.
Carroll Bank and Trust's data
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Carroll Bank and Trust 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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