Applications / Mortgage Analytics / Lenders / Tennessee / RockPointBank
Chattanooga, TN · National bank · OCC · $345 million assets · 45 loans in 2025
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45
loans originated, 2025
59
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
RockPointBank, a Chattanooga bank founded in 2021, makes big purchase loans: its typical loan in 2025 was $485,000, against $175,000 at similar banks.
Purchase loans made up 80.0% of its 45 loans. Its typical loan was larger than at about nine in ten similar banks (banks of the same type making between half and twice as many loans), and jumbo loans (larger than the conforming limit) were 25.6% of its lending, against 3.4% at its peers. Few of its borrowers, 2.8%, had low or moderate incomes, against 23.9%; loans of this size may go mainly to people with higher incomes.
It first reported in 2023. In 2025 it made its first loans in six markets, from Nashville and Atlanta to Brunswick and Miami. In Cleveland, Tennessee, its share rose to 0.4%. In Chattanooga, its home market, its share slipped from 0.7% to 0.6%, ranking it 40 of 525 lenders. Spreading 45 loans over more places could explain that.
Its loans rose 7%, against 2% at similar banks. In 2024 it also bought 27 loans from other lenders; in 2025 it bought none. Low- and moderate-income neighborhoods took 24.4% of its loans, against 16.7% at its peers, higher than at seven in ten.
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, 2023–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. RockPointBank took 59 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 80.0% · Refinance 15.6% · Other 4.4%
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 | 37 | 82.2% |
| Georgia | 5 | 11.1% |
| Alabama | 2 | 4.4% |
| Florida | 1 | 2.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Chattanooga | 37 |
| Atlanta-Sandy Springs-Roswell | 1 |
| Brunswick-St. Simons | 1 |
| Cleveland | 1 |
| Gadsden | 1 |
| Nashville-Davidson--Murfreesboro--Franklin | 1 |
| West Palm Beach-Boca Raton-Delray Beach | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900AHEC0ZH6MGNX19 | 2023–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 5574430 | 2023–2023 |
Established 15 March 2021. Reported under HMDA 2023-2025.
Mergers, name changes, data editions and corrections: RockPointBank's data.
RockPointBank's data
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