Fewer loans, a smaller share at home
It made 147 loans in 2025, down from 250, while similar lenders (state non-member banks making between half and twice as many loans) made 10% more. In Cleveland, Tennessee, its share fell from 7.2% to 4.3%, and it ranks 4 of 258, behind Rocket Mortgage, CMG Mortgage and United Wholesale Mortgage. The lost share matches its lower lending. Part of the fall may be government-backed business: loans insured by the Federal Housing Administration (FHA) fell to 8.8% of its lending, from 16.0%. The bank may also have chosen to lend less after a busier 2024.