First Commerce Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the A grade breaks down
Each component is a percentile rank among 220 investment-property lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
91st0.0% deniedProcesswithdrawn + incomplete share, weight 15%
78th1.1%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 132 | 126 | 0.8% | 0.8% | — | $37M |
| 2024 | 151 | 149 | 0.0% | 0.0% | — | $34M |
| 2025 | 178 | 176 | 0.0% | 0.0% | — | $47M |
What First Commerce Bank 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, 25 manufactured homes, 124 investment properties.
Who gets approved at First Commerce Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 34 | 34 | 0.0% |
| $100k – $150k | 28 | 26 | 0.0% |
| $150k – $250k | 22 | 22 | 0.0% |
| Over $250k | 26 | 26 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 35–44 | 30 | 30 | 0.0% |
| 45–54 | 31 | 31 | 0.0% |
| 55–64 | 27 | 25 | 0.0% |
Where First Commerce Bank lends
2 states and 25 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
First Commerce Bank denied 0.0% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 91st percentile of investment-property lenders.
In 2025, 47% of its applications were for home purchases, 44% for refinancing (including cash-out), and 8% 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.