Applications / Mortgage Analytics / Lenders / Tennessee / Community Mortgage
Cordova, TN · Independent non-bank lender · CFPB · 1,432 loans in 2025
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1,432
loans originated, 2025
1,758
applications, 2025
7
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Community Mortgage, a non-bank lender based in Cordova, Tennessee, lends almost entirely to home buyers: 94.0% of its 1,432 loans in 2025 were purchases.
Refinances were only 6.0% of its lending. Loans insured by the Federal Housing Administration (FHA) made up 30.0%, against 22.6% at similar lenders (independent non-banks making between half and twice as many loans). Loans guaranteed by the Department of Veterans Affairs (VA) were 9.4%, against 6.3%. Manufactured homes were a mere 0.7% of its loans.
Its typical loan was $275,000, smaller than at about three in four similar lenders, where the typical figure was $315,000. Its typical rate, 6.38%, was lower than at more than four in five of them. It turned down 2.8% of home-purchase applications, against 4.1% at a typical peer.
Its loans fell 10% in 2025, while a typical similar lender grew 5% and the whole market grew 10%. Volume peaked at 3,960 loans in 2020 and has fallen in most years since. Its share also slipped in Little Rock, to 0.8% from 0.9%, and in Chattanooga, to 0.4% from 0.5%. One possible reason is its reliance on purchases: with so few refinances, it would gain little from any pickup in refinancing. Rivals may also simply have grown faster.
Memphis is its largest market, where it has lent since 1991. It now reaches 31 metros in seven states, and added Macon-Bibb County, GA, in 2025.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Community Mortgage took 1,758 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 94.0% · Refinance 6.0%
Conventional 59.1% · FHA 30.0% · VA 9.4% · USDA (RHS or FSA) 1.6% · of 1,432 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 | 828 | 57.8% |
| Mississippi | 275 | 19.2% |
| Arkansas | 262 | 18.3% |
| Georgia | 47 | 3.3% |
| Alabama | 9 | 0.6% |
| Florida | 8 | 0.6% |
| Kentucky | 3 | 0.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Memphis | 921 |
| Little Rock-North Little Rock-Conway | 141 |
| Nashville-Davidson--Murfreesboro--Franklin | 73 |
| Chattanooga | 48 |
| Fayetteville-Springdale-Rogers | 40 |
| Hot Springs | 31 |
| Atlanta-Sandy Springs-Roswell | 21 |
| Clarksville | 20 |
| Jonesboro | 5 |
| Knoxville | 5 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300IJ8KTGYPKLXK63 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3842322 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 77229000002 | 1991–2017 |
Established 11 August 1987. Reported under HMDA 1991-2025.
Mergers, name changes, data editions and corrections: Community Mortgage's data.
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