The Bank of Commerce 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%
77th4.1% deniedProcesswithdrawn + incomplete share, weight 15%
13th23.4%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 149 | 80 | 9.4% | 14.9% | — | $46M |
| 2024 | 131 | 90 | 13.0% | 15.9% | — | $40M |
| 2025 | 158 | 115 | 3.2% | 4.1% | — | $55M |
What The Bank of Commerce 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, 12 manufactured homes, 49 investment properties.
Who gets approved at The Bank of Commerce
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 34 | 25 | 3.7% |
| $100k – $150k | 28 | 20 | 9.1% |
| $150k – $250k | 24 | 13 | 0.0% |
| Over $250k | 30 | 22 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 27 | 19 | 0.0% |
| 35–44 | 36 | 28 | 6.5% |
| 45–54 | 34 | 22 | 4.4% |
Where The Bank of Commerce lends
5 states and 28 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
The Bank of Commerce denied 4.1% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 77th percentile of small mortgage lenders.
In 2025, 60% of its applications were for home purchases, 40% for refinancing (including cash-out), and 0% for home improvement or other purposes. By loan type: 90% conventional, 8% FHA, 3% 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.