Applications / Mortgage Analytics / Lenders / Tennessee / Truxton Trust
Nashville, TN · State member bank · FRS · $1.4 billion assets · 38 loans in 2025
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38
loans originated, 2025
40
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Truxton Trust, a Nashville bank, lends to well-off home buyers: its typical loan of $890,000 is larger than at more than nine in ten similar lenders.
Its 38 loans in 2025 came to $52.5 million, and purchases made up 86.8% of them. The 105 similar lenders, state member banks making between half and twice as many loans, typically lent $185,000 a loan. Its jumbo share (loans larger than the conforming limit) was 42.9%, against 3.2% at the typical peer. Every loan was conventional. With only 38 loans, a few deals either way move these shares a lot.
Loans rose 90%, from 20 to 38, faster than almost all similar lenders. That growth is mostly a return: it made 40 loans in both 2019 and 2023. It filed no report for 2018 or for 2020 to 2022, years in which a bank making few loans need not report, so those are gaps in the record, not years without lending.
Nashville is its main market, where it has lent since 2005. It ranks 98 of 821 lenders there, and its share rose from 0.1% to 0.2%. The market's leaders are United Wholesale Mortgage and Rocket Mortgage.
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, 2019–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Truxton Trust took 40 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 86.8% · Refinance 13.2%
Conventional 100.0% · of 38 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 | 35 | 92.1% |
| Texas | 2 | 5.3% |
| Virginia | 1 | 2.6% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Nashville-Davidson--Murfreesboro--Franklin | 33 |
| Dallas-Plano-Irving | 1 |
| Knoxville | 1 |
| Memphis | 1 |
| Richmond | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300U76XKUE05DV518 | 2019–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3290240 | 2005–2023 |
| Respondent ID (the HMDA filer code before 2018) | 357825 | 2005–2008 |
| Respondent ID (the HMDA filer code before 2018) | 23290240 | 2009–2016 |
Established 30 August 2004. Reported under HMDA 2005-2025.
Mergers, name changes, data editions and corrections: Truxton Trust's data.
Truxton Trust's data
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Truxton Trust 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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