Applications / Mortgage Analytics / Lenders / Kentucky / Hearthside Bank
Middlesboro, KY · State non-member bank · FDIC · $571 million assets · 173 loans in 2025
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173
loans originated, 2025
252
applications, 2025
7
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Hearthside Bank is based in Middlesboro, KY, but does most of its lending in Tennessee, where it makes bigger loans than similar banks and more of them in poorer neighborhoods.
Home purchases made up 68.8% of its loans. Its typical loan was $225,000, against $175,000 at similar lenders (banks of the same type making between half and twice as many loans). Jumbo loans (larger than the conforming limit) were 5.6% of its lending, against 1.4%, a higher share than at more than four in five of them.
Low- and moderate-income (LMI) neighborhoods took 29.8% of its loans, against 17.6% at its peers, more than at about four in five of them. LMI borrowers took only 20.7%, against 27.9%. Its focus on purchases and its larger loans may explain that gap. Majority-minority areas took 0.6%, against 6.2%, which may reflect the non-metro counties it serves.
It ranks 58 of 599 lenders in Knoxville, where its share stayed at 0.4%; Mortgage Investors Group leads there. In Morristown its share rose to 0.4% from 0.0%, putting it 53 of 268. It also lends in non-metro Tennessee, Kentucky and Virginia.
It made 173 loans in 2025, up 12% from 155. Similar lenders and the whole market both grew by 10%. That is still well below its peak of 278 loans in 2022. It first reported in 2014.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Hearthside Bank took 252 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 68.8% · Refinance 20.8% · Other 5.8% · Home improvement 4.6%
Conventional 100.0% · of 173 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 | 114 | 65.9% |
| Kentucky | 50 | 28.9% |
| Virginia | 5 | 2.9% |
| Alabama | 1 | 0.6% |
| Florida | 1 | 0.6% |
| Georgia | 1 | 0.6% |
| Indiana | 1 | 0.6% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Knoxville | 70 |
| Kingsport-Bristol | 2 |
| Lexington-Fayette | 2 |
| Morristown | 2 |
| Atlanta-Sandy Springs-Roswell | 1 |
| Cape Coral-Fort Myers | 1 |
| Chattanooga | 1 |
| Daphne-Fairhope-Foley | 1 |
| Indianapolis-Carmel-Greenwood | 1 |
| Nashville-Davidson--Murfreesboro--Franklin | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 2549001XVX1R2ITF6935 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 902672 | 2014–2023 |
| Respondent ID (the HMDA filer code before 2018) | 331236 | 2014–2017 |
Established 1 January 1920. Reported under HMDA 2014-2025.
Mergers, name changes, data editions and corrections: Hearthside Bank's data.
Hearthside Bank's data
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Hearthside Bank 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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