Applications / Mortgage Analytics / Lenders / Tennessee / CedarStone Bank
Lebanon, TN · State non-member bank · FDIC · $369 million assets · 45 loans in 2025
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45
loans originated, 2025
50
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
CedarStone Bank makes few loans but big ones: its typical mortgage was nearly twice the size of those at banks like it.
Its typical loan was $315,000, against $165,000 at similar lenders (state non-member banks making between half and twice as many loans). That is larger than at more than four in five of them. Jumbo loans, those larger than the conforming limit, made up 11.9% of its lending, against 1.7%. So with fewer loans than the typical peer it lent more money: $21.1 million against $13.5 million.
Its originations fell 25% in 2025, from 60, while similar lenders grew 3%. Purchases were 68.9% of its lending, so its volume may follow local home sales. With so few loans, a handful either way moves the rate. It filed no report for 2020 to 2022, so the record has a gap.
Low- and moderate-income (LMI) borrowers took 11.6% of its loans, down from 20.4% and below the 27.9% at similar lenders. Bigger loans may simply go to buyers with bigger incomes. Yet poorer neighborhoods took 26.7% of its loans, more than the 18.6% at its peers.
Its largest market is Nashville-Davidson--Murfreesboro--Franklin, where it ranks 196 of 821 lenders. It first lent in Chattanooga in 2024 and in Knoxville in 2025, with small shares in both so far.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. 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. CedarStone Bank took 50 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 68.9% · Refinance 24.4% · Home improvement 4.4% · Other 2.2%
Conventional 100.0% · of 45 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 | 44 | 97.8% |
| Alabama | 1 | 2.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Nashville-Davidson--Murfreesboro--Franklin | 38 |
| Chattanooga | 2 |
| Daphne-Fairhope-Foley | 1 |
| Knoxville | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493004IEEY3EWUVQH38 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3262788 | 2006–2023 |
| Respondent ID (the HMDA filer code before 2018) | 357684 | 2006–2017 |
Established 19 April 2004. Reported under HMDA 2006-2025.
Mergers, name changes, data editions and corrections: CedarStone Bank's data.
CedarStone Bank's data
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CedarStone 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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