First Farmers and Merchants Bank
First Farmers and Merchants Bank received 383 applications in 2025 and made 277 mortgages, in 24 counties across 3 states. The median rate its borrowers got was 7.500% on a median loan of $105,000. Of 357 decisions, 64 were denials — 17.9%, most often for debt-to-income ratio.
| Legal Entity Identifier | 254900VKT2R0R20CR104 |
|---|---|
| Applications received | 383 |
| Mortgages made | 277 |
| Denied | 64 |
| Approved, not taken up | 16 |
| Withdrawn or incomplete | 26 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.32 points |
| FDIC-insured bank | Yes: First Farmers and Merchants Bank, 23 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 52 | 7.250% | $250,000 | 13.2% |
| Refinancing | 87 | 7.500% | $85,000 | 14.1% |
| Other purposes | 138 | 7.500% | $65,000 | 21.9% |
Where First Farmers and Merchants Bank lends most
The 24 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Lawrence County, TN | 98 | 7.500% | 13.0% |
| Maury County, TN | 81 | 7.500% | 16.0% |
| Williamson County, TN | 21 | 7.750% | 29.0% |
| Hickman County, TN | 17 | 7.500% | 13.6% |
| Giles County, TN | 16 | 7.500% | 26.9% |
| Davidson County, TN | 13 | 7.500% | 18.8% |
| Marshall County, TN | 11 | 7.500% | 7.1% |
| Lauderdale County, AL | 3 | Under 10 loans | 0.0% |
| Lewis County, TN | 3 | Under 10 loans | 25.0% |
| Coffee County, TN | 2 | Under 10 loans | 33.3% |
| Dickson County, TN | 2 | Under 10 loans | 0.0% |
| Lincoln County, TN | 2 | Under 10 loans | 0.0% |
| Sumner County, TN | 2 | Under 10 loans | 0.0% |
| Madison County, AL | 1 | Under 10 loans | 0.0% |
| Cheatham County, TN | 1 | Under 10 loans | 0.0% |
| Humphreys County, TN | 1 | Under 10 loans | 0.0% |
| Robertson County, TN | 1 | Under 10 loans | 0.0% |
| Wayne County, TN | 1 | Under 10 loans | 50.0% |
| Wilson County, TN | 1 | Under 10 loans | 75.0% |
| Clarke County, GA | 0 | Under 10 loans | 100.0% |
| Floyd County, GA | 0 | Under 10 loans | 0.0% |
| Bedford County, TN | 0 | Under 10 loans | 0.0% |
| Montgomery County, TN | 0 | Under 10 loans | 100.0% |
| Rutherford County, TN | 0 | Under 10 loans | 100.0% |
Get told when this changes
When First Farmers and Merchants Bank’s figures are published for the next year, or restated.
Double opt-in, one click to unsubscribe. We never sell or share the list, and we are not a lender, a broker or a lead generator: this is a notification about published data, not a sales call. Privacy.
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.