Level with its peers
Its loans rose 5% to 251, the same as at the typical similar lender (national banks making between half and twice as many loans) and below the whole market's 10%. It made 549 loans in 2020, more than twice as many as now.
Applications / Mortgage Analytics / Lenders / Tennessee / First National Bank of Pulaski
First National Bank of Pulaski
Pulaski, TN · National bank · OCC · $1.5 billion assets · 251 loans in 2025
First National Bank of Pulaski's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
251
loans originated, 2025
303
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First National Bank of Pulaski is a national bank that lends mostly to home buyers in Alabama and Tennessee. Its loans rose 5% in 2025, in step with similar lenders.
Huntsville and rural Tennessee
In Huntsville, AL it ranks 46 of 440 lenders with a 0.5% share, unchanged from 2024; it has lent there since 2009. United Wholesale Mortgage and Redstone Federal Credit Union lead that market. In non-metro Tennessee it ranks 68 of 746.
Fewer loans in poorer neighborhoods
Poorer neighborhoods (low- and moderate-income, or LMI, areas) took 10.8% of its loans, against 16.5% at similar lenders, lower than at about four in five of them. LMI borrowers took 20.7%, also below the middle. Its focus on home purchase, 59.8% of loans, its larger typical loan, $225,000 against $205,000, and the neighborhoods in the counties it serves may all play a part.
Denials near the middle
It turned down 5.5% of first-lien home-purchase applications on owner-occupied homes, close to the 6.0% at similar lenders 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, 2018–2025
251 loans in 2025, against a peak of 549 in 2020.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. First National Bank of Pulaski took 303 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
59.8% of its 2025 loans were purchase loans; 89.2% were conventional loans.
Purchase 59.8% · Refinance 34.7% · Other 4.0% · Home improvement 1.6%
Conventional 89.2% · USDA (RHS or FSA) 6.4% · FHA 4.0% · VA 0.4% · of 251 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
4 states, 11 metros, 30 counties
| State | Loans | Share |
|---|---|---|
| Alabama | 124 | 49.4% |
| Tennessee | 124 | 49.4% |
| Georgia | 1 | 0.4% |
| Mississippi | 1 | 0.4% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Huntsville | 83 |
| Florence-Muscle Shoals | 10 |
| Nashville-Davidson--Murfreesboro--Franklin | 6 |
| Birmingham | 3 |
| Decatur | 3 |
| Knoxville | 3 |
| Auburn-Opelika | 1 |
| Clarksville | 1 |
| Daphne-Fairhope-Foley | 1 |
| Montgomery | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300ZGTRKCDKOVEQ80 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 972732 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 114619 | 2009–2017 |
Established 12 January 1938. Reported under HMDA 2009-2025.
Mergers, name changes, data editions and corrections: First National Bank of Pulaski's data.
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