First Commonwealth Bank in Florida vs the state
21.1%Denial rate-0.01 pts vs state
25.0%Decision denial rate-2.24 pts vs state
63.2%Origination rate+10.47 pts vs state
7.06%Median rate+0.44 pts vs state
0.65Rate spread (pts)+0.38 pts vs state
$269kMedian applicant income
12Loans originated
4Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 21 | 18 | 0.0% | 6.25% | #827 |
| 2024 | 8 | 3 | 0.0% | 6.63% | #984 |
| 2025 | 19 | 12 | 21.1% | 7.06% | #771 |
What First Commonwealth Bank lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most First Commonwealth Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Sarasota County | 5 | 4 | 1 | 20.0% |
| Palm Beach County | 3 | 1 | 1 | 33.3% |
| Charlotte County | 2 | 2 | 0 | 0.0% |
| Bay County | 2 | 1 | 1 | 50.0% |
| Collier County | 2 | 1 | 0 | 0.0% |
| Broward County | 2 | 1 | 0 | 0.0% |
| Indian River County | 1 | 1 | 0 | 0.0% |
| Manatee County | 1 | 0 | 1 | 100.0% |
| Osceola County | 1 | 1 | 0 | 0.0% |
Other large lenders in Florida
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 71,405 | 15.3% | 6.44% |
| Rocket Mortgage | C | 46,611 | 21.0% | 6.63% |
| Bank of America | F | 23,634 | 37.7% | 6.24% |
| Pennymac Loan Services | C | 19,516 | 14.1% | 6.50% |
| Navy Federal Credit Union | D | 19,452 | 23.2% | 7.59% |
| Crosscountry Mortgage | B | 19,103 | 5.2% | 6.75% |
| Newrez | D | 17,519 | 22.4% | 6.75% |
| Dhi Mortgage Company | B | 16,661 | 14.5% | 4.88% |
| Lennar Mortgage | A | 14,984 | 21.0% | 4.75% |
| Truist Bank | C | 14,140 | 41.5% | 6.60% |
Frequently asked questions
Florida: 19 applications in 2025, of which 12 were originated and 4 denied.
21.1% of all applications, or 25.0% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans First Commonwealth Bank originated in Florida in 2025 was 7.06%, against a statewide median of 6.63%.
About this data. Figures are First Commonwealth Bank's own HMDA filing for properties located in Florida, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology