Applications / Mortgage Analytics / Lenders / Tennessee / First Century Bank
Tazewell, TN · State non-member bank · FDIC · $761 million assets · 191 loans in 2025
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191
loans originated, 2025
247
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First Century Bank, a Tennessee lender to home buyers, makes bigger loans than most banks of its kind, and it has held a small, steady place in Knoxville since at least 1990.
Its typical loan was $245,000, against $175,000 at similar lenders (state non-member banks making between half and twice as many loans), more than at about three in four of them. Its count of loans sat nearer the middle. So its $70.9 million in lending was more than at about eight in ten peers.
Purchases made up 72.8% of its loans and refinances 16.8%. Every loan was conventional. It made 191 loans in 2025, up 10% from 173, in line with similar lenders and the whole market.
Low- and moderate-income (LMI) borrowers took 16.9% of its loans, against 28.0% at similar lenders, fewer than at more than eight in ten of them. The share was up from 11.9% in 2024. Its larger loans and its focus on purchases are possible reasons. Its share in LMI neighborhoods, 18.9%, was close to peers' 17.8%.
In Knoxville it ranked 35 of 599 lenders, with 0.7% of the market, up from 0.6%. Mortgage Investors Group leads there. Its yearly lending has ranged between 173 and 301 loans since 2018.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. 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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 Century Bank took 247 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 72.8% · Refinance 16.8% · Home improvement 7.9% · Other 2.6%
Conventional 100.0% · of 191 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 | 189 | 99.0% |
| Georgia | 1 | 0.5% |
| Kentucky | 1 | 0.5% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Knoxville | 131 |
| Morristown | 4 |
| Kingsport-Bristol | 3 |
| Augusta-Richmond County | 1 |
| Chattanooga | 1 |
| Nashville-Davidson--Murfreesboro--Franklin | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300F1D8U51K67LV24 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 999935 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 31700 | 1990–2017 |
Established 10 October 1899. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: First Century Bank's data.
First Century Bank's data
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First Century Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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