Gaining share at home
Its share of Johnson City lending rose from 2.1% to 2.6%. Only five lenders made more, led by Eastman Credit Union. In Kingsport-Bristol, TN-VA its share rose to 0.4% from 0.3%. It has lent in both markets since at least 1990.
Applications / Mortgage Analytics / Lenders / Tennessee / Elizabethton Federal Savings Bank
Elizabethton Federal Savings Bank
Elizabethton, TN · Savings institution · OCC · $319 million assets · 130 loans in 2025
Elizabethton Federal Savings Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
130
loans originated, 2025
139
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Elizabethton Federal Savings Bank is a small savings bank with a big place in Johnson City, TN, where it ranks 6 of 287 lenders and lifted its share to 2.6% in 2025.
Growing again
It made 130 loans in 2025, up 21% from 107. That was faster than about three in four similar lenders (savings institutions making between half and twice as many loans), which grew 6%; the whole market grew 10%. The bank is recovering from a slump: its loans fell to 84 in 2023 from 148 in 2022.
Buyers with bigger budgets
Purchases made up 56.2% of its lending. Jumbo loans (larger than the conforming limit) were 6.6% of the total, against 2.6% at similar lenders. Low- and moderate-income (LMI) borrowers took only 11.9% of its loans, against 24.7%, among the lowest tenth. Its purchase focus and its jumbo lending may draw higher-income buyers. Its lending in LMI neighborhoods was higher, at 21.5% against 17.0%. It made no loans in majority-minority neighborhoods, which may reflect its Tennessee markets.
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
130 loans in 2025, against a peak of 176 in 2020.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Elizabethton Federal Savings Bank took 139 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
56.2% of its 2025 loans were purchase loans; all were conventional loans.
Purchase 56.2% · Other 23.8% · Refinance 13.8% · Home improvement 6.2%
Conventional 100.0% · of 130 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
1 state, 2 metros, 7 counties
| State | Loans | Share |
|---|---|---|
| Tennessee | 130 | 100.0% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Johnson City | 101 |
| Kingsport-Bristol | 17 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300IUMIMR7KEN9Z07 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 17978 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 44307 | 1990–2010 |
| Respondent ID (the HMDA filer code before 2018) | 1704307 | 2011–2017 |
Established 15 June 1937. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Elizabethton Federal Savings Bank's data.
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