First Commercial Bank 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%
69th5.8% deniedProcesswithdrawn + incomplete share, weight 15%
14th22.7%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 227 | 165 | 6.2% | 7.5% | — | $77M |
| 2024 | 194 | 117 | 6.7% | 9.4% | — | $65M |
| 2025 | 247 | 173 | 4.5% | 5.8% | — | $77M |
What First Commercial 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, 3 manufactured homes, 64 investment properties.
Who gets approved at First Commercial Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 40 | 18 | 12.5% |
| $100k – $150k | 38 | 24 | 13.3% |
| $150k – $250k | 38 | 25 | 3.7% |
| Over $250k | 60 | 47 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 57 | 35 | 5.1% |
| 35–44 | 59 | 34 | 10.3% |
| 45–54 | 31 | 19 | 9.1% |
| 55–64 | 20 | 15 | 0.0% |
Where First Commercial Bank lends
8 states and 37 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Mississippi | 214 | 145 | 4.7% | — | #86 |
| Tennessee | 20 | 18 | 5.0% | — | #534 |
| Alabama | 6 | 5 | 0.0% | — | #540 |
Frequently asked questions
First Commercial Bank denied 5.8% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 69th percentile of small mortgage lenders.
In 2025, 70% of its applications were for home purchases, 27% for refinancing (including cash-out), and 3% for home improvement or other purposes. By loan type: 89% conventional, 9% FHA, 2% 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.