Applications / Mortgage Analytics / Lenders / Tennessee / Homeland Community Bank
McMinnville, TN · State non-member bank · FDIC · $228 million assets · 124 loans in 2025
Homeland Community Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
124
loans originated, 2025
145
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Homeland Community Bank, a Tennessee bank that first reported in 2022, made more than half its loans to low- and moderate-income borrowers in 2025.
Low- and moderate-income (LMI) borrowers took 52.3% of its loans, up from 39.1% in 2024. At similar lenders (state non-member banks making between half and twice as many loans) the share was 27.9%, and it was higher than at nearly all of them. Small loans and manufactured homes may go more often to borrowers with lower incomes. LMI neighborhoods took 13.7%, against 17.6%.
Refinances made up 66.1% of its loans and purchases 22.6%, all conventional. Its typical loan was $105,000, against $175,000 at similar lenders, smaller than at nearly nine in ten. Manufactured homes took 13.7%, against 3.1%.
It made 124 loans, up 6%, against 9% at similar lenders. It first reported in 2022, with 153 loans; 2018 to 2021 are gaps in the record, not years without lending. It ranked 134 of 746 lenders in non-metro Tennessee, its largest market.
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, 2022–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Homeland Community Bank took 145 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 66.1% · Purchase 22.6% · Home improvement 6.5% · Other 4.8%
Conventional 100.0% · of 124 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 | 124 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Nashville-Davidson--Murfreesboro--Franklin | 21 |
| Chattanooga | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300ZEUD3RXQZG2867 | 2022–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3223408 | 2022–2023 |
Established 24 November 2003. Reported under HMDA 2022-2025.
Mergers, name changes, data editions and corrections: Homeland Community Bank's data.
Homeland Community Bank's data
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Homeland Community 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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