Applications / Mortgage Analytics / Lenders / Tennessee / Traditions First Bank
Erin, TN · State non-member bank · FDIC · $323 million assets · 72 loans in 2025
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72
loans originated, 2025
97
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Traditions First Bank lends more on manufactured homes than most banks its size, and its lending fell back in 2025 after three busy years.
It made 72 loans, down 41% from 123, while similar lenders, state non-member banks making between half and twice as many loans, grew 9%. Only a few of them fell further. From 2022 to 2024 it made more than 100 loans a year; before that it made between 52 and 66. The figures do not say what drove the busy years.
Some 15.3% of its loans were on manufactured homes, against 2.6% at similar lenders, more than at nearly nine in ten. All its loans were conventional. Its typical loan, $195,000, was a little above their $170,000.
Its share of loans to low- and moderate-income borrowers, 26.9%, matched similar lenders' 27.3%. In such neighborhoods it was 19.7% against 18.5%.
In Clarksville, where it has lent since 2008, its share held at 0.3%, ranking 54 of 397; Mortgage Research Center and United Wholesale Mortgage lead. In Nashville it slipped to 0.0% from 0.1%, which fits its smaller volume. In 2025 it entered non-metro Kentucky and Crestview-Fort Walton Beach-Destin.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Traditions First Bank took 97 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 54.2% · Refinance 29.2% · Other 12.5% · Home improvement 4.2%
Conventional 100.0% · of 72 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 | 69 | 95.8% |
| Kentucky | 2 | 2.8% |
| Florida | 1 | 1.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Clarksville | 29 |
| Nashville-Davidson--Murfreesboro--Franklin | 13 |
| Crestview-Fort Walton Beach-Destin | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300I58H1B8G6KOY91 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 2963864 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 357092 | 2008–2017 |
Established 30 November 2000. Reported under HMDA 2008-2025.
Mergers, name changes, data editions and corrections: Traditions First Bank's data.
Traditions First Bank's data
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Traditions First 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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