Commercial Bank
Commercial Bank received 299 applications in 2025 and made 255 mortgages, in 38 counties across 6 states. The median rate its borrowers got was 6.750% on a median loan of $175,000. Of 279 decisions, 22 were denials — 7.9%, most often for credit history.
| Legal Entity Identifier | 549300XQ8DRJT0OETE90 |
|---|---|
| Applications received | 299 |
| Mortgages made | 255 |
| Denied | 22 |
| Approved, not taken up | 2 |
| Withdrawn or incomplete | 20 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.3565 points |
| FDIC-insured bank | Yes: The Commercial Bank, 5 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 149 | 6.750% | $235,000 | 9.1% |
| Refinancing | 83 | 6.900% | $105,000 | 7.8% |
| Other purposes | 23 | 6.500% | $65,000 | 0.0% |
Where Commercial Bank lends most
The 38 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Claiborne County, TN | 41 | 6.750% | 6.8% |
| Knox County, TN | 36 | 7.000% | 0.0% |
| Knox County, KY | 24 | 6.500% | 11.1% |
| Bell County, KY | 17 | 6.500% | 15.0% |
| Union County, TN | 16 | 6.775% | 5.6% |
| Harlan County, KY | 13 | 6.850% | 18.8% |
| Grainger County, TN | 11 | 6.500% | 0.0% |
| Sevier County, TN | 11 | 6.500% | 8.3% |
| Laurel County, KY | 10 | 6.700% | 16.7% |
| Anderson County, TN | 9 | Under 10 loans | 0.0% |
| Hamblen County, TN | 8 | Under 10 loans | 0.0% |
| Cleveland County, NC | 6 | Under 10 loans | 14.3% |
| Cocke County, TN | 6 | Under 10 loans | 33.3% |
| Jefferson County, TN | 5 | Under 10 loans | 16.7% |
| Sullivan County, TN | 5 | Under 10 loans | 0.0% |
| Lee County, VA | 4 | Under 10 loans | 0.0% |
| Whitley County, KY | 3 | Under 10 loans | 25.0% |
| Blount County, TN | 3 | Under 10 loans | 0.0% |
| Cumberland County, TN | 3 | Under 10 loans | 0.0% |
| Greene County, TN | 3 | Under 10 loans | 0.0% |
| Fayette County, KY | 2 | Under 10 loans | 0.0% |
| Lincoln County, NC | 2 | Under 10 loans | 0.0% |
| Campbell County, TN | 2 | Under 10 loans | 0.0% |
| Loudon County, TN | 2 | Under 10 loans | 0.0% |
| McMinn County, TN | 2 | Under 10 loans | 0.0% |
| Washington County, TN | 2 | Under 10 loans | 0.0% |
| Sarasota County, FL | 1 | Under 10 loans | 0.0% |
| Riley County, KS | 1 | Under 10 loans | 0.0% |
| Madison County, KY | 1 | Under 10 loans | 0.0% |
| Brunswick County, NC | 1 | Under 10 loans | 0.0% |
| Mecklenburg County, NC | 1 | Under 10 loans | 0.0% |
| Watauga County, NC | 1 | Under 10 loans | 0.0% |
| Hawkins County, TN | 1 | Under 10 loans | 0.0% |
| Jackson County, TN | 1 | Under 10 loans | 0.0% |
| Morgan County, TN | 1 | Under 10 loans | 0.0% |
| Harrison County, KY | 0 | Under 10 loans | Not published |
| Davidson County, TN | 0 | Under 10 loans | 0.0% |
| Wise County, VA | 0 | Under 10 loans | Not published |
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When Commercial Bank’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.