Applications / Mortgage Analytics / Lenders / Tennessee / Commercial Bank
Harrogate, TN · State member bank · FRS · $2.3 billion assets · 255 loans in 2025
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255
loans originated, 2025
299
applications, 2025
6
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Commercial Bank, a Tennessee bank filing since 1990, makes an unusually large share of its loans in poorer neighborhoods, and grew in 2025 at the same pace as its peers.
Some 34.9% of its loans went to low- and moderate-income (LMI) tracts, against 15.9% at similar lenders, meaning state member banks making between half and twice as many loans. That is higher than nearly all of them, and the share has held near a third since 2020. Its loans are also smaller than peers', at a typical $175,000 against $190,000.
Its loans rose 7% to 255, the same as at similar lenders, while the whole market grew 10%. Its 2024 merger with Alliance Bank & Trust Company may have added some business, though the filings cannot show how much. All its loans were conventional, and 58.4% financed a purchase.
The bank made 430 loans in 2020 and 440 in 2018. By 2024 that had fallen to 238. Its typical rate rose from 4.00% in 2020 to 6.75%, which may have cut demand for refinancing. The 2025 rise is its first since 2020.
Its share of Knoxville, its largest market, eased from 0.4% to 0.3%, ranking it 76th of 599 lenders; Mortgage Investors Group leads there. In Morristown its share fell from 0.9% to 0.4%. One possibility is that rivals grew faster than it did.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Commercial Bank took 299 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 58.4% · Refinance 32.5% · Home improvement 4.7% · Other 4.3%
Conventional 100.0% · of 255 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 | 168 | 65.9% |
| Kentucky | 70 | 27.5% |
| North Carolina | 11 | 4.3% |
| Virginia | 4 | 1.6% |
| Florida | 1 | 0.4% |
| Kansas | 1 | 0.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Knoxville | 80 |
| Morristown | 13 |
| Kingsport-Bristol | 6 |
| Charlotte-Concord-Gastonia | 3 |
| Johnson City | 2 |
| Lexington-Fayette | 2 |
| Manhattan | 1 |
| North Port-Bradenton-Sarasota | 1 |
| Wilmington | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300XQ8DRJT0OETE90 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 497039 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 322354 | 1990–1995 |
| Respondent ID (the HMDA filer code before 2018) | 2497039 | 1996–2017 |
Established 1 November 1976. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Commercial Bank's data.
Commercial Bank's data
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