Applications / Mortgage Analytics / Lenders / Tennessee / Bartlett Mortgage
Bartlett, TN · Non-bank subsidiary of a bank · CFPB · 245 loans in 2025
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245
loans originated, 2025
313
applications, 2025
6
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Bartlett Mortgage, a bank-owned lender in Bartlett, Tennessee, that has reported since 1990, is almost purely a home-purchase lender and makes far more loans insured by the Federal Housing Administration (FHA) than similar lenders.
Purchases made up 95.5% of its loans. 41.2% were FHA loans, against 15.8% at similar lenders (non-bank subsidiaries of banks making between a quarter and four times as many loans), the highest share among them. In 2020 its FHA share was 17.2%.
It turned down 1.2% of decided home-purchase applications, against 4.1% at similar lenders, the lowest among the 10 with a rate. Its typical rate, 6.38%, was lower than at about nine in ten of them, whose typical rate was 6.50%.
It made 245 loans in 2025, up 7% from 229, faster than peers' typical 1% though slower than the whole market's 10%. It made 988 loans in 2020 and 218 in 2023. The record does not say why it shrank.
Memphis, AR-MS-TN is its largest market, and it has lent there since 1990. 28.6% of its loans were in majority-minority neighborhoods, against 9.8% at similar lenders. It also lends in Jackson, MS and rural Tennessee and Mississippi, ten metros in six states.
Similar lenders: same lender type, originations between a quarter and four times the lender's. 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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Bartlett Mortgage took 313 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 95.5% · Refinance 3.7% · Other 0.8%
Conventional 53.5% · FHA 41.2% · VA 3.3% · USDA (RHS or FSA) 2.0% · of 245 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 | 211 | 86.1% |
| Mississippi | 24 | 9.8% |
| Arkansas | 5 | 2.0% |
| Missouri | 2 | 0.8% |
| Texas | 2 | 0.8% |
| Pennsylvania | 1 | 0.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Memphis | 229 |
| Little Rock-North Little Rock-Conway | 2 |
| Dallas-Plano-Irving | 1 |
| Fayetteville-Springdale-Rogers | 1 |
| Houston-Pasadena-The Woodlands | 1 |
| Jackson | 1 |
| Johnstown | 1 |
| Knoxville | 1 |
| Nashville-Davidson--Murfreesboro--Franklin | 1 |
| Springfield | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300CRSE0TY73U6X46 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 1097267 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 21097267 | 1990–2017 |
Established 17 February 1983. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Bartlett Mortgage's data.
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