Applications / Mortgage Analytics / Lenders / Tennessee / American Mortgage Services
Atoka, TN · Non-bank or government lender · CFPB · 26 loans in 2025
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26
loans originated, 2025
28
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
American Mortgage Services, a non-bank lender in Atoka, Tennessee, is a small purchase lender whose volume has dwindled, to 26 loans in 2025 from 175 in 2021.
It made 115 loans in 2018 and 175 in 2021, then 56 in 2022 and 47 in 2024. Its loans fell 45% in 2025, against a 14% fall at similar lenders, meaning non-bank or government lenders making between half and twice as many loans; the whole market grew 10%. The record does not say why.
Loans backed by federal agencies have long made up about half its business or more: conventional loans were 44.6% of its 166 loans in 2020 and 21.3% of its 47 in 2024. The typical similar lender made only conventional loans. About five in six of its 2025 loans were for home purchase.
It lends in 8 counties in 3 states, mostly in Tennessee, and in a single metro, Memphis, where it has lent since 2017. With 26 loans, its shares of lending to poorer or minority neighborhoods, its rates and its loan sizes are too small to read much into.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. American Mortgage Services took 28 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 84.6% · Refinance 15.4%
Conventional 50.0% · FHA 26.9% · VA 15.4% · USDA (RHS or FSA) 7.7% · of 26 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 | 22 | 84.6% |
| Mississippi | 3 | 11.5% |
| Arkansas | 1 | 3.8% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Memphis | 24 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300WO9TX4YEFAC338 | 2018–2025 |
| Respondent ID (the HMDA filer code before 2018) | 7621501904 |
Established date not on record. Reported under HMDA 2017-2025.
Mergers, name changes, data editions and corrections: American Mortgage Services's data.
American Mortgage Services's data
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American Mortgage Services 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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