The First National Bank of Oneida
The First National Bank of Oneida received 208 applications in 2025 and made 165 mortgages, in 13 counties across 3 states. The median rate its borrowers got was Not published on a median loan of $135,000. Of 200 decisions, 23 were denials — 11.5%, most often for credit history.
| Legal Entity Identifier | 549300DK8GVTLGSA4H75 |
|---|---|
| Applications received | 208 |
| Mortgages made | 165 |
| Denied | 23 |
| Approved, not taken up | 12 |
| Withdrawn or incomplete | 8 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: The First National Bank of Oneida, 4 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 96 | Not published | $185,000 | 6.3% |
| Refinancing | 46 | Not published | $105,000 | 14.3% |
| Other purposes | 23 | Not published | $45,000 | 25.0% |
Where The First National Bank of Oneida lends most
The 13 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Scott County, TN | 113 | Not published | 12.4% |
| Campbell County, TN | 16 | Not published | 11.1% |
| Knox County, TN | 14 | Not published | 0.0% |
| Anderson County, TN | 5 | Under 10 loans | 0.0% |
| Loudon County, TN | 5 | Under 10 loans | 0.0% |
| McCreary County, KY | 4 | Under 10 loans | 0.0% |
| Morgan County, TN | 4 | Under 10 loans | 25.0% |
| Fentress County, TN | 1 | Under 10 loans | 50.0% |
| Greene County, TN | 1 | Under 10 loans | 0.0% |
| Sevier County, TN | 1 | Under 10 loans | 0.0% |
| Tazewell County, VA | 1 | Under 10 loans | 0.0% |
| Claiborne County, TN | 0 | Under 10 loans | 100.0% |
| Cumberland County, TN | 0 | Under 10 loans | 0.0% |
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When The First National Bank of Oneida’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.