First Community Bank of the Heartland at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C 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%
38th12.5% deniedProcesswithdrawn + incomplete share, weight 15%
50th11.6%Trend, 2024–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2024 | 207 | 154 | 13.0% | 14.8% | — | $23M |
| 2025 | 199 | 150 | 11.1% | 12.5% | — | $29M |
What First Community Bank of the Heartland 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, 5 manufactured homes, 94 investment properties.
Who gets approved at First Community Bank of the Heartland
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 36 | 15 | 46.4% |
| $50k – $100k | 42 | 30 | 13.9% |
| $100k – $150k | 37 | 29 | 8.8% |
| $150k – $250k | 26 | 24 | 0.0% |
| Over $250k | 26 | 22 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 46 | 31 | 20.0% |
| 35–44 | 41 | 33 | 5.7% |
| 45–54 | 32 | 23 | 14.8% |
| 55–64 | 25 | 15 | 23.8% |
Where First Community Bank of the Heartland lends
4 states and 25 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
First Community Bank of the Heartland denied 12.5% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 38th percentile of small mortgage lenders.
In 2025, 63% of its applications were for home purchases, 25% for refinancing (including cash-out), and 12% for home improvement or other purposes. By loan type: 99% 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.