Applications / Mortgage Analytics / Lenders / Tennessee / Mountain Valley Bank
Dunlap, TN · State non-member bank · FDIC · $260 million assets · 67 loans in 2025
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67
loans originated, 2025
88
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Mountain Valley Bank, a small Tennessee bank that has filed home-loan reports since at least 1990, made 67 loans in 2025, a fifth fewer than a year before, while similar lenders grew.
Its loans fell 20% in 2025. The typical similar lender, a state non-member bank making between half and twice as many loans, grew 9%, and the whole market 10%. Only about one in ten of those peers shrank faster. The bank's count has drifted down from 128 in 2018. The figures do not say why. Fewer home sales or refinances in its towns could explain it, as could a choice to lend less.
Its typical loan was $125,000, against $170,000 at similar lenders, smaller than at nearly four in five of them. Every loan was conventional, with none insured or guaranteed by the government. Purchases made up 52.2% of its lending and refinances 35.8%.
Half its loans (50.7%) went to low- and moderate-income (LMI) neighborhoods, against 18.5% at similar lenders, more than at all but about one in twenty of them. Five years earlier the share was 18.9%. Its share of loans to LMI borrowers, 17.1%, was below the 27.5% typical of peers. On 67 loans a handful of borrowers moves that figure; a year earlier it was 34.6%.
Chattanooga, where it has lent since at least 1990, is its largest metro market. Its share there slipped from 0.3% to 0.1%, ranking it 105 of 525 lenders; Rocket Mortgage leads. The fall matches its smaller lending everywhere.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Mountain Valley Bank took 88 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 52.2% · Refinance 35.8% · Home improvement 9.0% · Other 3.0%
Conventional 100.0% · of 67 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 | 66 | 98.5% |
| Georgia | 1 | 1.5% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Chattanooga | 40 |
| Knoxville | 6 |
| Morristown | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300VTVP64BKEO3L58 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 714437 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 31705 | 1990–2017 |
Established 1 January 1905. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Mountain Valley Bank's data.
Mountain Valley Bank's data
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Mountain Valley 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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