Applications / Mortgage Analytics / Lenders / Tennessee / First National Bank of Oneida
Oneida, TN · National bank · OCC · $357 million assets · 165 loans in 2025
First National Bank of Oneida's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
165
loans originated, 2025
208
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First National Bank of Oneida, a rural Tennessee bank, makes far more loans on manufactured homes than similar lenders, and its originations rose 41% in 2025.
Manufactured homes made up 23.6% of its loans, against 1.9% at similar lenders (national banks making between half and twice as many loans), more than at almost all of them. Its typical loan rose to $135,000 from $85,000, but stayed below peers' $185,000.
Low- and moderate-income (LMI) neighborhoods took 53.3% of its loans, against 15.3% at peers, more than at almost any similar lender. Its share to LMI borrowers, 26.5%, was near the middle. None of its loans went to majority-minority areas. It lends in 11 counties, mostly outside metros, where such areas may be few.
Its originations rose 41%, against 5% at similar lenders and 10% for the whole market, faster than almost nine in ten peers. The amount it lent rose to $33.0 million from $18.7 million. Its 165 loans were close to the 168 it made in 2022.
Non-metro Tennessee is its largest market, where it ranks 85 of 746. In Knoxville, TN, its share rose to 0.2% from 0.1%, for a rank of 104 of 599 lenders.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. First National Bank of Oneida took 208 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 58.2% · Refinance 27.9% · Other 7.9% · Home improvement 6.1%
Conventional 100.0% · of 165 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 | 160 | 97.0% |
| Kentucky | 4 | 2.4% |
| Virginia | 1 | 0.6% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Knoxville | 44 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300DK8GVTLGSA4H75 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 966731 | 2014–2023 |
| Respondent ID (the HMDA filer code before 2018) | 18039 | 2014–2017 |
Established 1 January 1904. Reported under HMDA 2014-2025.
Mergers, name changes, data editions and corrections: First National Bank of Oneida's data.
First National Bank of Oneida's data
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First National Bank of Oneida 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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