Applications / Mortgage Analytics / Lenders / Tennessee / The Local Lender
Murfreesboro, TN · Non-bank or government lender · CFPB · 160 loans in 2025
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160
loans originated, 2025
171
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The Local Lender, a Murfreesboro, Tennessee, mortgage company that first appears in the public data in 2025, made 160 loans, mostly to home buyers, and did more of its lending in Alabama than in any other state.
Its 160 loans spread over 35 counties in 3 states. Birmingham is its biggest market: it ranks 52 of 523 lenders there with a 0.4% share, behind leaders such as United Wholesale Mortgage. In Nashville-Davidson--Murfreesboro--Franklin it ranks 282 of 821. With a single year on record, there is no history against which to judge its growth.
Purchases made up 77.5% of its loans. Conventional loans made up 78.1%, while the typical similar lender (non-bank or government lenders making between half and twice as many loans) made only conventional loans. The rest were government-backed: loans guaranteed by the Department of Veterans Affairs (VA) took 11.2%, a higher share than at more than nine in ten peers, and Federal Housing Administration (FHA) loans 7.5%.
Its typical loan was $290,000, against $390,000 at similar lenders. None of its loans was higher-priced (a rate well above the average for similar loans), against 1.7% at peers, and its typical rate of 6.49% was lower than at about seven in ten. Borrowers with low or moderate incomes took 25.0% of its loans, near the middle of its peers.
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, 2025–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. The Local Lender took 171 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 77.5% · Refinance 22.5%
Conventional 78.1% · VA 11.3% · FHA 7.5% · USDA (RHS or FSA) 3.1% · of 160 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 |
|---|---|---|
| Alabama | 103 | 64.4% |
| Tennessee | 55 | 34.4% |
| Georgia | 2 | 1.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Birmingham | 87 |
| Nashville-Davidson--Murfreesboro--Franklin | 25 |
| Knoxville | 2 |
| Anniston-Oxford | 1 |
| Atlanta-Sandy Springs-Roswell | 1 |
| Chattanooga | 1 |
| Daphne-Fairhope-Foley | 1 |
| Marietta | 1 |
| Montgomery | 1 |
| Tuscaloosa | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493005QMX3SJKDTQZ62 | 2025–2025 |
Established 16 November 2016. Reported under HMDA in 2025.
Mergers, name changes, data editions and corrections: The Local Lender's data.
The Local Lender's data
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