---
canonical_url: https://lendb.ai/lo/sterling-smith-1726806
json_url: https://lendb.ai/lo/sterling-smith-1726806.json
nmls_id: 1726806
last_verified: 2026-10-09
---

# Sterling Smith

VP, Branch Manager at First Community Mortgage, Shelbyville, TN. NMLS ID 1726806 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1726806)).

**Summary:** Sterling Smith (NMLS 1726806) is VP, Branch Manager at First Community Mortgage, based in Shelbyville, TN. Focus areas shown on the lender page: VA loan, FHA loan, First-time buyer and USDA loan. Last verified 2026-10-09.

## At a glance

- Earliest state license record: none on file. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Licensed in: no license list on file; check NMLS Consumer Access
- License confidence: confirmed = state regulator roster; lender_reported = listed on the lender page only; federal_registration = inferred from a bank or credit union employer.
- Languages: not listed
- Profile: unclaimed
- Status: active

## Specialties

- **VA loan** (`va`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.firstcommunitymortgage.com/loan-officer/sterlingsmith/
- **FHA loan** (`fha`): lender page, confidence 0.70, verified 2026-10-09. Source: https://www.firstcommunitymortgage.com/loan-officer/sterlingsmith/
- **First-time buyer** (`first-time-buyer`): lender page, confidence 0.70, verified 2026-10-09. Source: https://www.firstcommunitymortgage.com/loan-officer/sterlingsmith/
- **USDA loan** (`usda`): lender page, confidence 0.70, verified 2026-10-09. Source: https://www.firstcommunitymortgage.com/loan-officer/sterlingsmith/

## About

Sterling has been originating mortgages since 2019 and is recognized as Top Mortgage Lender in Bedford County for four consecutive years, FCM's Top Producer in 2023-2024, and Top Rural Lender in Tennessee in 2024. He specializes in first-time homebuyers, veterans, and USDA, FHA, and conventional loans.

Source: LenDb summary of the lender page, verified 2026-10-09.

## Facts from the lender page and intro

- years_experience: since 2019. Source: https://www.firstcommunitymortgage.com/loan-officer/sterlingsmith/, verified 2026-10-09.
- credential: Top Mortgage Lender in Bedford County for past 4 years. Source: https://www.firstcommunitymortgage.com/loan-officer/sterlingsmith/, verified 2026-10-09.
- credential: FCM's Top Producer in 2023 and 2024. Source: https://www.firstcommunitymortgage.com/loan-officer/sterlingsmith/, verified 2026-10-09.
- credential: Top Rural Lender in Tennessee in 2024. Source: https://www.firstcommunitymortgage.com/loan-officer/sterlingsmith/, verified 2026-10-09.
- credential: Recognized in Scotsman's Guide. Source: https://www.firstcommunitymortgage.com/loan-officer/sterlingsmith/, verified 2026-10-09.
- education: Graduated Summa Cum Laude from Middle Tennessee State University. Source: https://www.firstcommunitymortgage.com/loan-officer/sterlingsmith/, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|

## Employment history

- ? to present: First Community Mortgage (NMLS 629700), Shelbyville, TN. Source: https://www.firstcommunitymortgage.com/loan-officer/sterlingsmith/, verified 2026-10-09.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1726806

## Contact

- View profile at First Community Mortgage: https://www.firstcommunitymortgage.com/loan-officer/sterlingsmith/
- Email on file: shown at https://lendb.ai/lo/sterling-smith-1726806#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1726806
- lender_site: https://www.firstcommunitymortgage.com/loan-officer/sterlingsmith/

Cite as: Sterling Smith (NMLS 1726806), First Community Mortgage. LenDb.ai, https://lendb.ai/lo/sterling-smith-1726806, last verified 2026-10-09.

_Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._