First Century Bank
First Century Bank received 247 applications in 2025 and made 191 mortgages, in 21 counties across 3 states. The median rate its borrowers got was Not published on a median loan of $245,000. Of 214 decisions, 19 were denials — 8.9%.
| Legal Entity Identifier | 549300F1D8U51K67LV24 |
|---|---|
| Applications received | 247 |
| Mortgages made | 191 |
| Denied | 19 |
| Approved, not taken up | 4 |
| Withdrawn or incomplete | 33 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: First Century Bank, 13 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 139 | Not published | $255,000 | 7.2% |
| Refinancing | 32 | Not published | $230,000 | 8.3% |
| Other purposes | 20 | Not published | $135,000 | 20.0% |
Where First Century Bank lends most
The 21 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Blount County, TN | 57 | Not published | 5.0% |
| Knox County, TN | 41 | Not published | 6.7% |
| Claiborne County, TN | 25 | Not published | 7.4% |
| Loudon County, TN | 14 | Not published | 0.0% |
| Union County, TN | 11 | Not published | 26.7% |
| Sevier County, TN | 9 | Under 10 loans | 0.0% |
| Hancock County, TN | 8 | Under 10 loans | 27.3% |
| Monroe County, TN | 6 | Under 10 loans | 0.0% |
| Anderson County, TN | 3 | Under 10 loans | 0.0% |
| Grainger County, TN | 3 | Under 10 loans | 40.0% |
| Jefferson County, TN | 3 | Under 10 loans | 0.0% |
| Hawkins County, TN | 2 | Under 10 loans | 0.0% |
| Columbia County, GA | 1 | Under 10 loans | 0.0% |
| Bell County, KY | 1 | Under 10 loans | 0.0% |
| Campbell County, TN | 1 | Under 10 loans | 0.0% |
| Cocke County, TN | 1 | Under 10 loans | 0.0% |
| Davidson County, TN | 1 | Under 10 loans | 0.0% |
| Hamblen County, TN | 1 | Under 10 loans | 33.3% |
| Hamilton County, TN | 1 | Under 10 loans | 0.0% |
| Roane County, TN | 1 | Under 10 loans | 50.0% |
| Sullivan County, TN | 1 | Under 10 loans | 0.0% |
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When First Century Bank’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.