Applications / Mortgage Analytics / Lenders / Tennessee / The Farmers Bank
Portland, TN · State non-member bank · FDIC · $934 million assets · 342 loans in 2025
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342
loans originated, 2025
425
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The Farmers Bank lends more to poorer borrowers and neighborhoods than most similar banks, and makes larger loans than they do.
Low- and moderate-income (LMI) borrowers took 36.7% of its loans in 2025, against 27.9% at similar lenders (state non-member banks making between half and twice as many loans). LMI neighborhoods took 30.7%, against 16.5%. Both are higher than at more than four in five peers.
Its typical loan was $290,000, against $185,000 at peers, larger than at more than four in five of them. In 2020 it was $185,000. Purchases made up 64.6% of its loans, and purchase loans tend to be larger than home-improvement or other loans.
Most similar banks make no government-backed loans. This one does: 4.4% of its loans were FHA loans (insured by the Federal Housing Administration) and 1.5% VA loans (guaranteed by the Department of Veterans Affairs).
It has lent in Nashville since 1990 and holds 0.5% of that market, 54th of 821 lenders, unchanged from 2024. Its loans rose 10% to 342, in line with peers' 9%. That is still about half the 640 it made in 2020; the decline ran from 2021 to 2024.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 Farmers Bank took 425 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 64.6% · Refinance 29.2% · Home improvement 3.5% · Other 2.6%
Conventional 93.6% · FHA 4.4% · VA 1.5% · USDA (RHS or FSA) 0.6% · of 342 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 | 327 | 95.6% |
| Kentucky | 14 | 4.1% |
| Alabama | 1 | 0.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Nashville-Davidson--Murfreesboro--Franklin | 310 |
| Clarksville | 9 |
| Bowling Green | 5 |
| Chattanooga | 3 |
| Daphne-Fairhope-Foley | 1 |
| Jackson | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300C4CKL0HRXJ3085 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 901938 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 31696 | 1990–2017 |
Established 12 July 1912. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: The Farmers Bank's data.
The Farmers Bank's data
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The Farmers Bank 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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