First Farmers & Commercial Bank
First Farmers & Commercial Bank received 80 applications in 2025 and made 71 mortgages, in 14 counties across 4 states. The median rate its borrowers got was Not published on a median loan of $155,000. Of 77 decisions, 5 were denials — 6.5%.
| Legal Entity Identifier | 549300K8UWGGY4IOR733 |
|---|---|
| Applications received | 80 |
| Mortgages made | 71 |
| Denied | 5 |
| Approved, not taken up | 1 |
| Withdrawn or incomplete | 3 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: First Farmers & Commercial Bank, 4 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 35 | Not published | $205,000 | 7.9% |
| Refinancing | 28 | Not published | $115,000 | 6.7% |
| Other purposes | 8 | Under 10 loans | Under 10 loans | 0.0% |
Where First Farmers & Commercial Bank lends most
The 14 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Rhea County, TN | 26 | Not published | 7.1% |
| Cumberland County, TN | 14 | Not published | 6.7% |
| Bledsoe County, TN | 11 | Not published | 14.3% |
| Roane County, TN | 9 | Under 10 loans | 0.0% |
| Hamilton County, TN | 2 | Under 10 loans | 0.0% |
| Walker County, GA | 1 | Under 10 loans | 0.0% |
| Fayette County, KY | 1 | Under 10 loans | 0.0% |
| Beaufort County, SC | 1 | Under 10 loans | 0.0% |
| Anderson County, TN | 1 | Under 10 loans | 0.0% |
| Loudon County, TN | 1 | Under 10 loans | 0.0% |
| Marion County, TN | 1 | Under 10 loans | 0.0% |
| Meigs County, TN | 1 | Under 10 loans | 0.0% |
| Morgan County, TN | 1 | Under 10 loans | 0.0% |
| Sequatchie County, TN | 1 | Under 10 loans | 0.0% |
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When First Farmers & 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.