Applications / Mortgage Analytics / Lenders / Tennessee / Mountain Commerce Bank
Knoxville, TN · State non-member bank · FDIC · $1.8 billion assets · 120 loans in 2025
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120
loans originated, 2025
153
applications, 2025
5
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Mountain Commerce Bank, a Knoxville lender, makes big loans to home buyers, and its originations rose 43% in 2025, to 120.
Its typical loan was $385,000, more than twice the $175,000 at similar lenders (state non-member banks making between half and twice as many loans), and larger than at more than nine in ten of them. Jumbo loans (larger than the conforming limit) were 19.8% of its lending, against 1.5% for peers. So its 120 loans came to $77.8 million.
Purchases made up 79.2% of its loans, all of them conventional. Originations rose 43% from 84, faster than at more than four in five similar lenders, whose typical growth was 9%. It still made fewer loans than the 236 of five years before.
Low- and moderate-income (LMI) borrowers took 10.8% of its loans, against 27.9% at similar lenders, among the lowest tenth. With loans this large, one possibility is that it serves buyers of bigger homes, whose incomes are mostly above the LMI line.
In Knoxville, TN, where it has lent since 2006, it ranks 39 of 599 lenders with 0.6% of lending, up 0.1 points; Mortgage Investors Group leads. In Johnson City, TN, its share fell 0.2 points to 0.5%. With loans this large, a few more or fewer can move its share.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Mountain Commerce Bank took 153 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 79.2% · Refinance 14.2% · Home improvement 4.2% · Other 2.5%
Conventional 100.0% · of 120 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 | 116 | 96.7% |
| Colorado | 1 | 0.8% |
| Minnesota | 1 | 0.8% |
| North Carolina | 1 | 0.8% |
| Virginia | 1 | 0.8% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Knoxville | 63 |
| Nashville-Davidson--Murfreesboro--Franklin | 13 |
| Johnson City | 12 |
| Kingsport-Bristol | 5 |
| Minneapolis-St. Paul-Bloomington | 1 |
| Morristown | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300WN1LQYJX9HOU28 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 1016231 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 110583 | 1990–2005 |
| Respondent ID (the HMDA filer code before 2018) | 34931 | 2006–2017 |
Established 1 January 1910. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Mountain Commerce Bank's data.
Mountain Commerce Bank's data
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Mountain 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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