The Commercial 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%
58th3.6% deniedProcesswithdrawn + incomplete share, weight 15%
42nd6.7%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 90 | 84 | 2.2% | 2.3% | — | $26M |
| 2024 | 105 | 93 | 1.0% | 1.1% | — | $27M |
| 2025 | 119 | 107 | 3.4% | 3.6% | — | $32M |
What The Commercial 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, 9 manufactured homes, 109 investment properties.
Where The Commercial Bank lends
2 states and 20 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Georgia | 117 | 105 | 3.4% | — | #316 |
Frequently asked questions
The Commercial Bank denied 3.6% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 58th percentile of investment-property lenders.
In 2025, 43% of its applications were for home purchases, 51% for refinancing (including cash-out), and 6% 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.