Western 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 A 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%
90th1.8% deniedProcesswithdrawn + incomplete share, weight 15%
56th10.4%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 96 | 86 | 2.1% | 2.3% | — | $22M |
| 2024 | 101 | 87 | 2.0% | 2.2% | — | $21M |
| 2025 | 125 | 108 | 1.6% | 1.8% | — | $31M |
What Western 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, 3 manufactured homes, 34 investment properties.
Who gets approved at Western Commerce Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 28 | 21 | 0.0% |
| $100k – $150k | 32 | 26 | 0.0% |
| $150k – $250k | 34 | 31 | 3.1% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 34 | 28 | 3.3% |
| 35–44 | 27 | 24 | 0.0% |
Where Western Commerce Bank lends
4 states and 12 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| New Mexico | 118 | 101 | 1.7% | — | #100 |
| Texas | 5 | 5 | 0.0% | — | #1,065 |
Frequently asked questions
Western Commerce Bank denied 1.8% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 90th percentile of small mortgage lenders.
In 2025, 84% of its applications were for home purchases, 7% for refinancing (including cash-out), and 9% for home improvement or other purposes. By loan type: 85% conventional, 13% FHA, 2% 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.