First Community Bank in Tennessee vs the state
17.4%Denial rate+0.25 pts vs state
21.1%Decision denial rate-0.63 pts vs state
65.2%Origination rate+7.14 pts vs state
6.25%Median rate-0.37 pts vs state
-0.03Rate spread (pts)-0.26 pts vs state
$66kMedian applicant income
15Loans originated
4Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 30 | 20 | 16.7% | 7.69% | #462 |
| 2025 | 23 | 15 | 17.4% | 6.25% | #513 |
What First Community Bank lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most First Community Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Sullivan County | 16 | 12 | 3 | 18.8% |
| Washington County | 3 | 2 | 0 | 0.0% |
| Unicoi County | 3 | 0 | 1 | 33.3% |
| Carter County | 1 | 1 | 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: 23 applications in 2025, of which 15 were originated and 4 denied.
17.4% of all applications, or 21.1% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans First Community Bank originated in Tennessee in 2025 was 6.25%, against a statewide median of 6.62%.
About this data. Figures are First Community 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