First Century Bank in Tennessee vs the state
7.8%Denial rate-9.35 pts vs state
9.0%Decision denial rate-12.72 pts vs state
77.5%Origination rate+19.38 pts vs state
—Median rate
—Rate spread (pts)
$140kMedian applicant income
189Loans originated
19Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 249 | 180 | 9.2% | — | #159 |
| 2024 | 224 | 172 | 10.3% | — | #183 |
| 2025 | 244 | 189 | 7.8% | — | #187 |
What First Century Bank lends in Tennessee
By loan purpose
By loan type
Where in Tennessee
Counties with the most First Century Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Blount County | 66 | 57 | 3 | 4.5% |
| Knox County | 54 | 41 | 3 | 5.6% |
| Claiborne County | 32 | 25 | 2 | 6.3% |
| Union County | 18 | 11 | 4 | 22.2% |
| Loudon County | 18 | 14 | 0 | 0.0% |
| Hancock County | 11 | 8 | 3 | 27.3% |
| Sevier County | 11 | 9 | 0 | 0.0% |
| Monroe County | 6 | 6 | 0 | 0.0% |
| Grainger County | 5 | 3 | 2 | 40.0% |
| Anderson County | 4 | 3 | 0 | 0.0% |
Other large lenders in Tennessee
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 16,503 | 17.3% | 6.50% |
| United Shore Financial Services | B | 12,458 | 10.9% | 6.12% |
| Regions Bank | C | 11,247 | 36.5% | 4.99% |
| Vanderbilt Mortgage and Finance | F | 9,649 | 35.8% | 8.75% |
| Mortgage Research Center | C | 6,568 | 17.3% | 6.25% |
| FirstBank | C | 5,677 | 14.5% | 6.88% |
| CMG Mortgage | A | 5,643 | 2.9% | 6.50% |
| Freedom Mortgage | B | 5,493 | 8.0% | 6.25% |
| Pennymac Loan Services | C | 5,331 | 11.2% | 6.00% |
| Mortgage Investors Group | B | 4,454 | 3.5% | 6.50% |
Frequently asked questions
Tennessee: 244 applications in 2025, of which 189 were originated and 19 denied.
7.8% of all applications, or 9.0% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are First Century Bank's own HMDA filing for properties located in Tennessee, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology