A doubling
It made 59 loans in 2024. Its 95% rise compares with 9% at similar banks, state non-member banks making between half and twice as many loans. Its count has swung before: between 2018 and 2023 it made between 70 and 139 loans a year.
Applications / Mortgage Analytics / Lenders / Tennessee / Millennium Bank
Millennium Bank
Ooltewah, TN · State non-member bank · FDIC · $792 million assets · 115 loans in 2025
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115
loans originated, 2025
147
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Millennium Bank nearly doubled its lending in 2025, to 115 loans, faster growth than at nearly all banks of its size, with refinances the biggest part.
Refinances lead
Refinances were 48.7% of its loans and home improvement 13.9%. Its typical loan fell to $155,000 from $275,000 and is below the $175,000 at similar banks. A mix with more refinance and home-improvement loans than purchases is a possible reason.
Neighborhoods versus borrowers
Low- and moderate-income (LMI) neighborhoods took 21.7% of its loans, against 18.1% at similar banks, and majority-minority neighborhoods 13.9%, against 6.2%. Only 15.2% went to LMI borrowers, against 27.9%; its refinance-led mix and the markets it serves are possible reasons.
A new foothold in Dalton
It ranks 48 of 234 lenders in Dalton, GA, where its share rose to 0.4% from 0.0%; FirstBank leads. In Chattanooga, GA-TN, its largest market, it ranks 60 of 525, its share steady at 0.3%.
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
115 loans in 2025, against a peak of 139 in 2022.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Millennium Bank took 147 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
48.7% of its 2025 loans were refinance loans; all were conventional loans.
Refinance 48.7% · Purchase 33.0% · Home improvement 13.9% · Other 4.3%
Conventional 100.0% · of 115 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, 13 metros, 23 counties
| State | Loans | Share |
|---|---|---|
| Georgia | 54 | 47.0% |
| Tennessee | 46 | 40.0% |
| Florida | 14 | 12.2% |
| Alabama | 1 | 0.9% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Chattanooga | 40 |
| Dalton | 12 |
| Cleveland | 9 |
| Ocala | 3 |
| Atlanta-Sandy Springs-Roswell | 2 |
| Rome | 2 |
| Columbus | 1 |
| Deltona-Daytona Beach-Ormond Beach | 1 |
| Gainesville | 1 |
| Homosassa Springs | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300FOHR7SBPQ7WJ92 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 2820604 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 335138 | 2001–2017 |
Established 21 June 1999. Reported under HMDA 2001-2025.
Mergers, name changes, data editions and corrections: Millennium Bank's data.
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