Applications / Mortgage Analytics / Lenders / Tennessee / Centennial Bank
Trezevant, TN · State non-member bank · FDIC · $852 million assets · 287 loans in 2025
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287
loans originated, 2025
347
applications, 2025
6
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Centennial Bank ranks 5 of 248 lenders in Jackson, TN, and an unusually large part of its lending goes to manufactured homes.
Manufactured homes made up 12.2% of its loans. At similar lenders, state non-member banks making between half and twice as many loans, the figure was 2.5%. Its share was higher than at more than four in five of them. Its typical loan, $145,000, was smaller than peers' $175,000, and every loan was conventional.
It made 287 loans in 2025, up 10% from 261, close to the 8% at similar lenders. The money it lent has grown faster still: $67.8 million in 2025, against $26.0 million in 2020.
In Jackson, where it has lent since 1997, it ranked 5 of 248 lenders with 4.3% of the market. Leaders Credit Union and Rocket Mortgage led. Its share fell by 0.2 points, a small change that may reflect faster growth at other lenders. In 2025 it first lent in Bloomington and Dalton, with small shares.
Poorer neighborhoods (low- and moderate-income, or LMI, tracts) took 10.8% of its loans, against 17.0% at similar lenders, and down from 16.1% in 2020. The 27 counties it serves, and its spread into new markets, are possible reasons. Neighborhoods where most residents are minorities took 10.1%, more than peers' 6.6%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Centennial Bank took 347 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 50.9% · Refinance 30.0% · Other 11.5% · Home improvement 7.7%
Conventional 100.0% · of 287 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 | 277 | 96.5% |
| Georgia | 5 | 1.7% |
| Mississippi | 2 | 0.7% |
| Alabama | 1 | 0.3% |
| Arkansas | 1 | 0.3% |
| Indiana | 1 | 0.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Jackson | 163 |
| Dalton | 5 |
| Memphis | 4 |
| Bloomington | 1 |
| Chattanooga | 1 |
| Clarksville | 1 |
| Daphne-Fairhope-Foley | 1 |
| Little Rock-North Little Rock-Conway | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300YR7U7TZTQ1GH77 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 531250 | 2006–2023 |
| Respondent ID (the HMDA filer code before 2018) | 38439 | 2005–2017 |
Established 1 January 1916. Reported under HMDA 2005-2025.
Mergers, name changes, data editions and corrections: Centennial Bank's data.
Centennial Bank's data
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