Applications / Mortgage Analytics / Lenders / Tennessee / First Farmers & Commercial Bank
Pikeville, TN · State non-member bank · FDIC · $221 million assets · 71 loans in 2025
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71
loans originated, 2025
80
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First Farmers & Commercial Bank grew by a third in 2025, to 71 loans, and turned up in two markets outside Tennessee for the first time.
Its loans rose 34%, against 9% at similar lenders (state non-member banks making between half and twice as many loans) and 10% for the whole market. That was faster than more than three-quarters of its peers. It filed no HMDA report for 2018 to 2022, a gap in the record rather than years without lending.
Its main market is non-metro Tennessee, where it ranked 131 of 746 lenders. In 2025 it first appeared in the record in Hilton Head Island-Bluffton-Port Royal and in Lexington-Fayette, though with very few loans. It now lends in 4 states.
Purchases were 49.3% of its loans, refinancing 39.4% and home improvement 9.9%, all conventional. Manufactured homes were 8.5% of its loans, against 2.6% at similar lenders.
17.4% of its loans went to low- and moderate-income (LMI) borrowers, against 27.3% at similar lenders, fewer than at about three-quarters of them. That may reflect incomes in the rural counties where it does most of its lending. Its share in LMI neighborhoods, 18.3%, sat near the middle.
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, 2023–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 Farmers & Commercial Bank took 80 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 49.3% · Refinance 39.4% · Home improvement 9.9% · Other 1.4%
Conventional 100.0% · of 71 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 | 68 | 95.8% |
| Georgia | 1 | 1.4% |
| Kentucky | 1 | 1.4% |
| South Carolina | 1 | 1.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Knoxville | 12 |
| Chattanooga | 5 |
| Hilton Head Island-Bluffton-Port Royal | 1 |
| Lexington-Fayette | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300K8UWGGY4IOR733 | 2023–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 702836 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 110470 | 2004–2013 |
| Respondent ID (the HMDA filer code before 2018) | 34960 | 2014–2016 |
Established 30 September 1913. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: First Farmers & Commercial Bank's data.
First Farmers & Commercial Bank's data
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First Farmers & Commercial 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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