Mountain Commerce 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%
68th5.9% deniedProcesswithdrawn + incomplete share, weight 15%
52nd11.1%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 218 | 141 | 5.1% | 6.6% | — | $114M |
| 2024 | 116 | 84 | 6.9% | 7.9% | — | $67M |
| 2025 | 153 | 120 | 5.2% | 5.9% | — | $78M |
What Mountain Commerce 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, 2 manufactured homes, 72 investment properties.
Who gets approved at Mountain Commerce Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Over $250k | 52 | 41 | 10.2% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 35–44 | 23 | 19 | 9.5% |
| 45–54 | 26 | 18 | 14.3% |
| 55–64 | 26 | 17 | 13.0% |
Where Mountain Commerce Bank lends
5 states and 28 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Tennessee | 148 | 116 | 5.4% | — | #263 |
Frequently asked questions
Mountain Commerce Bank denied 5.9% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 68th percentile of small mortgage lenders.
In 2025, 78% of its applications were for home purchases, 14% for refinancing (including cash-out), and 8% 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.