Applications / Mortgage Analytics / Lenders / Tennessee / First Commerce Bank
Lewisburg, TN · State non-member bank · FDIC · $893 million assets · 176 loans in 2025
First Commerce Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
176
loans originated, 2025
178
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First Commerce Bank, a Tennessee bank that first reported in 2022, made 18% more loans in 2025, and does far more lending on manufactured homes than similar banks.
Manufactured homes made up 14.2% of its loans, against 2.8% at similar lenders (state non-member banks making between half and twice as many loans), more than at eight in ten of them. Home purchases were 47.2% of its loans and refinances 44.3%, all conventional.
Its count rose 18%, to 176, while similar lenders and the whole market each grew 10%. It reported 172 loans in 2022 and 126 in 2023, and has grown each year since. Its dollar volume rose from $34.5 million to $47.0 million.
Its largest market is non-metro Tennessee, where it ranked 62 of 746 lenders. In Nashville-Davidson--Murfreesboro--Franklin, TN it ranked 216 of 821, with 0.1% of the market, up 0.1 points; United Wholesale Mortgage and Rocket Mortgage led. It lends in 25 counties across 2 states.
Borrowers with low and moderate incomes took 13.3% of its loans, against 27.8% at peers, among the lowest tenth. Its refinance-heavy mix and the counties it serves are possible reasons. Its share in poorer neighborhoods (low- and moderate-income tracts), 16.1%, was close to peers' 17.7% and up from 8.1% in 2024.
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, 2022–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. First Commerce Bank took 178 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 47.2% · Refinance 44.3% · Home improvement 7.4% · Other 1.1%
Conventional 100.0% · of 176 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 | 171 | 97.2% |
| Alabama | 5 | 2.8% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Nashville-Davidson--Murfreesboro--Franklin | 44 |
| Huntsville | 5 |
| Jackson | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900YR8UZ7F37G6E87 | 2022–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3153297 | 2022–2023 |
Established 2 December 2002. Reported under HMDA 2022-2025.
Mergers, name changes, data editions and corrections: First Commerce Bank's data.
First Commerce Bank's data
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First Commerce 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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