First Community Bank of Central Alabama in Alabama vs the state
12.6%Denial rate-7.23 pts vs state
12.6%Decision denial rate-12.38 pts vs state
85.4%Origination rate+30.05 pts vs state
—Median rate
—Rate spread (pts)
$85kMedian applicant income
88Loans originated
13Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 85 | 72 | 10.6% | — | #224 |
| 2024 | 113 | 93 | 9.7% | — | #203 |
| 2025 | 103 | 88 | 12.6% | — | #227 |
What First Community Bank of Central Alabama lends in Alabama
By loan purpose
By loan type
Where in Alabama
Counties with the most First Community Bank of Central Alabama applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Elmore County | 68 | 57 | 10 | 14.7% |
| Montgomery County | 10 | 9 | 1 | 10.0% |
| Tallapoosa County | 8 | 8 | 0 | 0.0% |
| Autauga County | 8 | 6 | 2 | 25.0% |
| Lee County | 7 | 6 | 0 | 0.0% |
| Coosa County | 1 | 1 | 0 | 0.0% |
| Jefferson County | 1 | 1 | 0 | 0.0% |
Other large lenders in Alabama
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Regions Bank | C | 11,871 | 37.2% | 4.99% |
| Rocket Mortgage | C | 9,941 | 20.5% | 6.63% |
| Vanderbilt Mortgage and Finance | F | 8,461 | 41.4% | 9.50% |
| United Shore Financial Services | B | 7,689 | 12.0% | 6.13% |
| 21st Mortgage | F | 6,507 | 46.0% | 9.98% |
| Mortgage Research Center | C | 5,107 | 18.4% | 6.25% |
| REDSTONE Federal Credit Union | C | 4,548 | 18.9% | 8.13% |
| Dhi Mortgage Company | B | 3,909 | 17.5% | 4.99% |
| Freedom Mortgage | B | 3,725 | 8.7% | 6.25% |
| Pennymac Loan Services | C | 3,611 | 11.6% | 6.25% |
Frequently asked questions
Alabama: 103 applications in 2025, of which 88 were originated and 13 denied.
12.6% of all applications, or 12.6% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are First Community Bank of Central Alabama's own HMDA filing for properties located in Alabama, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology