Applications / Mortgage Analytics / Lenders / Tennessee / First Community Mortgage
Murfreesboro, TN · Non-bank subsidiary of a bank · CFPB · 10,308 loans in 2025
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10,308
loans originated, 2025
13,447
applications, 2025
46
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First Community Mortgage is a Tennessee-based home-purchase lender, much larger than most similar lenders, with 81.9% of its 10,308 loans in 2025 going to buy homes.
Its 10,308 loans compare with a middle of 1,845 among similar lenders (non-bank subsidiaries of banks making between an eighth and eight times as many loans), more than about nine in ten of them. Originations fell 2%, close to the 4% fall of similar lenders, while the whole market grew 10%. It remains below its 2020 total of 12,556.
It ranked 4 of 746 lenders in non-metro Tennessee, its largest market. RHS (guaranteed by the Department of Agriculture's Rural Housing Service) loans were 4.9% of its lending, against 0.9% at similar lenders, and FHA (insured by the Federal Housing Administration) loans 26.2%, against 19.7%. Its typical loan, $265,000, was smaller than at most similar lenders.
33.2% of its loans went to LMI (low- and moderate-income) borrowers, against 30.1%, a higher share than more than two-thirds of similar lenders, and up from 27.8% five years earlier. 14.2% were in majority-minority areas, against 23.2%. Its weight in rural Tennessee, where it ranks highest, could account for that.
It has lent in Nashville-Davidson--Murfreesboro--Franklin and Knoxville since 2005, ranking 23 of 821 and 23 of 599 lenders, and in Cincinnati since 2010, where it ranked 15 of 621. Its Knoxville share held at 1.1%.
Questions the data can answer next
Similar lenders: same lender type, originations between an eighth and eight times the lender's. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. First Community Mortgage took 13,447 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 81.9% · Refinance 17.6% · Home improvement 0.4% · Other 0.0%
Conventional 59.9% · FHA 26.2% · VA 9.0% · USDA (RHS or FSA) 4.9% · of 10,308 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Tennessee | 2,461 | 23.9% |
| Ohio | 1,167 | 11.3% |
| Michigan | 696 | 6.8% |
| Florida | 575 | 5.6% |
| Georgia | 520 | 5.0% |
| Virginia | 503 | 4.9% |
| Alabama | 495 | 4.8% |
| Pennsylvania | 402 | 3.9% |
| Kentucky | 386 | 3.7% |
| Indiana | 376 | 3.6% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Cincinnati | 738 |
| Nashville-Davidson--Murfreesboro--Franklin | 662 |
| Knoxville | 310 |
| Atlanta-Sandy Springs-Roswell | 271 |
| Warren-Troy-Farmington Hills | 215 |
| Indianapolis-Carmel-Greenwood | 212 |
| Virginia Beach-Chesapeake-Norfolk | 201 |
| Dayton-Kettering-Beavercreek | 192 |
| Memphis | 155 |
| Jackson | 144 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300R0SXC1JU7ZU290 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3120329 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 3412031753 |
Established 22 February 2002. Reported under HMDA 2005-2025.
Mergers, name changes, data editions and corrections: First Community Mortgage's data.
First Community Mortgage's data
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