Bank of Commerce at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
41st12.0% deniedProcesswithdrawn + incomplete share, weight 15%
89th1.9%Trend, 2024–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2024 | 148 | 136 | 6.8% | 6.8% | — | $19M |
| 2025 | 162 | 134 | 11.7% | 12.0% | — | $23M |
What Bank of Commerce lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 10 manufactured homes, 65 investment properties.
Who gets approved at Bank of Commerce
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 33 | 23 | 25.0% |
| $50k – $100k | 47 | 34 | 17.8% |
| $100k – $150k | 22 | 19 | 9.1% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 25 | 21 | 16.0% |
| 35–44 | 28 | 20 | 15.4% |
| 45–54 | 37 | 31 | 13.5% |
| 55–64 | 22 | 17 | 18.2% |
| 65–74 | 21 | 16 | 10.0% |
Where Bank of Commerce lends
6 states and 36 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
Bank of Commerce denied 12.0% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 41st percentile of small mortgage lenders.
In 2025, 48% of its applications were for home purchases, 39% for refinancing (including cash-out), and 14% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.