First Century Bank mortgage approval rate & lending review
First Century Bank decided 291 mortgage applications and funded 267 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions First Century Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
First Century Bank at a glance
Approval is 8.2 points above the 84.9% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 84% | 85 / 101 | 99% | $405K | 84 |
| Investment property purchase | 99% | 145 / 147 | 99% | $225K | 143 |
First Century Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Tennessee | 93% | $225K | 289 | 265 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where First Century Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Blount County, TN | Investment property purchase | 100% | 80 | 80 |
| Knox County, TN | Investment property purchase | 97% | 63 | 59 |
| Blount County, TN | Mortgage lenders | 85% | 59 | 50 |
The county markets where First Century Bank made the most loans. Each link opens that market with every lender ranked.
Questions about First Century Bank
What is First Century Bank's mortgage approval rate?
First Century Bank approved 93.1% of the 291 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 8.2 points above the 84.9% national rate for the same mix of loan types.
How often do borrowers take the loan First Century Bank offers?
Borrowers accepted 99% of the loans First Century Bank approved, against 95% for all investment property mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does First Century Bank make?
The typical investment property mortgage loan First Century Bank made was $225K; across all loan types its typical loan ran from $225K to $405K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does First Century Bank lend?
First Century Bank decided applications in 3 of the states Fat Boy Data covers, most of them in Tennessee, Georgia and Kentucky.
Can I apply to First Century Bank directly?
Yes. First Century Bank is a bank or credit union with 14 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show First Century Bank's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how First Century Bank treats applications, then get a rate quote from the lender.