Applications / Mortgage Analytics / Lenders / Tennessee / Macon Bank and Trust Company
Lafayette, TN · State non-member bank · FDIC · $772 million assets · 132 loans in 2025
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132
loans originated, 2025
144
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Macon Bank and Trust Company, a home-purchase lender in Lafayette, Tennessee, makes two-thirds of its loans in poorer neighborhoods, a higher share than any similar lender.
Low- and moderate-income (LMI) neighborhoods received 66.7% of its loans, against 17.5% at similar lenders (state non-member banks making between half and twice as many loans), the highest among them. LMI borrowers took 33.1%, higher than about two-thirds of them. Much of its lending is in non-metro Tennessee and non-metro Kentucky, where it has lent since 2001, and those places may account for the large share.
Its loans rose 13% to 132, against 10% at similar lenders and 10% for the whole market, near the middle of its peers. The amount lent rose faster, to $37.5 million from $22.0 million, as its typical loan grew to $165,000 from $145,000. Home purchases made up 66.7% of its loans.
None of its loans was in a majority-minority neighborhood, against 5.2% at similar lenders. It lends in 14 counties in two states, much of it outside metro areas, and the places it serves may have few such neighborhoods.
In Nashville-Davidson--Murfreesboro--Franklin, its largest market, its share held at 0.1%, ranking 140 of 821 lenders. United Wholesale Mortgage led. It entered Johnson City in 2025.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Macon Bank and Trust Company took 144 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 66.7% · Refinance 26.5% · Home improvement 3.8% · Other 3.0%
Conventional 100.0% · of 132 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 | 121 | 91.7% |
| Kentucky | 11 | 8.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Nashville-Davidson--Murfreesboro--Franklin | 105 |
| Bowling Green | 6 |
| Johnson City | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493002FQ43Q3BNXZW27 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 709639 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 36091 | 1999–2017 |
Established 1 July 1919. Reported under HMDA 1999-2025.
Mergers, name changes, data editions and corrections: Macon Bank and Trust Company's data.
Macon Bank and Trust Company's data
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Macon Bank and Trust Company 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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