First Port City 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 220 investment-property lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
61st3.3% deniedProcesswithdrawn + incomplete share, weight 15%
46th6.1%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 132 | 107 | 9.9% | 10.3% | — | $26M |
| 2024 | 119 | 97 | 8.4% | 8.9% | — | $37M |
| 2025 | 164 | 145 | 3.1% | 3.3% | — | $42M |
What First Port City 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, 32 manufactured homes, 109 investment properties.
Who gets approved at First Port City Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 20 | 17 | 5.3% |
| $50k – $100k | 30 | 28 | 0.0% |
| $150k – $250k | 25 | 21 | 8.3% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 35–44 | 21 | 18 | 10.0% |
| 55–64 | 24 | 19 | 4.6% |
Where First Port City Bank lends
4 states and 31 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
First Port City Bank denied 3.3% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 61st percentile of investment-property lenders.
In 2025, 57% of its applications were for home purchases, 31% for refinancing (including cash-out), and 12% for home improvement or other purposes. By loan type: 100% 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.