Applications / Mortgage Analytics / Lenders / Tennessee / The Bank of Fayette County
Piperton, TN · State member bank · FRS · $1.1 billion assets · 235 loans in 2025
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235
loans originated, 2025
283
applications, 2025
8
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The Bank of Fayette County, of Piperton, Tennessee, grew faster than most similar banks in 2025 and leans on manufactured-home lending far more than they do.
Its loans rose 20%, to 235, against 7% at similar lenders and 10% in the whole market. That is faster than about seven in ten of them. Similar lenders are state banks in the Federal Reserve making between half and twice its number of loans. It gained a little share in Memphis, its largest market.
Manufactured homes made up 12.8% of its loans, against 2.1% at similar lenders, higher than more than nine in ten of them. Home purchases were 63.8% of its lending. Its typical loan, $165,000, was a little below its peers' $185,000.
It made 21.7% of its loans in census tracts where most residents belong to minority groups, against 4.2% at similar lenders. That is higher than more than eight in ten of them. Its share in poorer neighborhoods (low- and moderate-income tracts), 19.0%, was also above its peers' 15.7%.
It lent in eight states and 11 metros. It made its first loans in Charleston, South Carolina, and Las Vegas in 2025. It ranked 57 of 248 lenders in Jackson, Tennessee.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. The Bank of Fayette County took 283 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 63.8% · Refinance 16.6% · Other 11.5% · Home improvement 8.1%
Conventional 100.0% · of 235 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 | 203 | 86.4% |
| Mississippi | 22 | 9.4% |
| Florida | 4 | 1.7% |
| South Carolina | 2 | 0.9% |
| Alabama | 1 | 0.4% |
| District of Columbia | 1 | 0.4% |
| Georgia | 1 | 0.4% |
| Nevada | 1 | 0.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Memphis | 140 |
| Jackson | 11 |
| Nashville-Davidson--Murfreesboro--Franklin | 3 |
| Charleston-North Charleston | 2 |
| Crestview-Fort Walton Beach-Destin | 2 |
| Atlanta-Sandy Springs-Roswell | 1 |
| Florence-Muscle Shoals | 1 |
| Gulfport-Biloxi | 1 |
| Las Vegas-Henderson-North Las Vegas | 1 |
| Pensacola-Ferry Pass-Brent | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493004VB8XJ1L0EOO76 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 466754 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 310308 | 1994–2003 |
| Respondent ID (the HMDA filer code before 2018) | 2466754 | 2004–2017 |
Established 26 April 1905. Reported under HMDA 1994-2025.
Mergers, name changes, data editions and corrections: The Bank of Fayette County's data.
The Bank of Fayette County's data
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The Bank of Fayette County 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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