First Community 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%
83rd3.2% deniedProcesswithdrawn + incomplete share, weight 15%
31st15.9%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 236 | 190 | 4.2% | 5.0% | — | $75M |
| 2024 | 247 | 203 | 2.8% | 3.3% | — | $54M |
| 2025 | 226 | 179 | 2.7% | 3.2% | — | $51M |
What First Community 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, 1 manufactured homes, 75 investment properties.
Who gets approved at First Community Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 51 | 41 | 0.0% |
| $100k – $150k | 45 | 32 | 3.0% |
| $150k – $250k | 42 | 30 | 0.0% |
| Over $250k | 24 | 19 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 50 | 44 | 2.2% |
| 35–44 | 40 | 26 | 3.5% |
| 45–54 | 28 | 21 | 0.0% |
| 55–64 | 35 | 23 | 7.4% |
Where First Community Bank lends
1 states and 19 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Texas | 226 | 179 | 2.7% | — | #395 |
Frequently asked questions
First Community Bank denied 3.2% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 83rd percentile of small mortgage lenders.
In 2025, 85% of its applications were for home purchases, 8% for refinancing (including cash-out), and 6% for home improvement or other purposes. By loan type: 72% conventional, 21% FHA, 7% 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.