First Community Mortgage, Inc. mortgage approval rate & lending review
First Community Mortgage, Inc. decided 21,097 mortgage applications and funded 18,229 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions First Community Mortgage, Inc. reported under the Home Mortgage Disclosure Act, not its advertised interest rates. For current rates and applications go to firstcommunitymortgage.com.
First Community Mortgage, Inc. at a glance
Approval is 7.8 points above the 85.3% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 94% | 15,725 / 16,701 | 93% | $275K | 14,688 |
| Home improvement loans | 90% | 26 / 29 | 88% | $165K | 23 |
| Cash-out refinance | 87% | 1,269 / 1,459 | 91% | $215K | 1,149 |
| Refinance | 91% | 1,070 / 1,171 | 90% | $295K | 964 |
| Investment property purchase | 92% | 1,110 / 1,204 | 92% | $205K | 1,018 |
| Investment cash-out refinance | 81% | 281 / 345 | 88% | $165K | 247 |
| Investment refinance | 86% | 153 / 177 | 86% | $185K | 131 |
First Community Mortgage, Inc. lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Tennessee | 93% | $345K | 3,706 | 3,191 |
| Ohio | 96% | $245K | 3,087 | 2,741 |
| Michigan | 95% | $225K | 1,860 | 1,675 |
| Florida | 89% | $315K | 1,730 | 1,404 |
| Georgia | 93% | $325K | 1,396 | 1,205 |
| Indiana | 94% | $235K | 1,170 | 1,016 |
| Alabama | 93% | $255K | 897 | 762 |
| Pennsylvania | 96% | $245K | 861 | 780 |
| Virginia | 94% | $335K | 797 | 707 |
| North Carolina | 90% | $315K | 635 | 519 |
| Texas | 90% | $325K | 535 | 433 |
| Massachusetts | 95% | $465K | 498 | 446 |
| Louisiana | 93% | $215K | 455 | 388 |
| California | 90% | $425K | 412 | 330 |
| Illinois | 94% | $335K | 407 | 357 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where First Community Mortgage, Inc. lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Rutherford County, TN | Mortgage lenders | 94% | 1,005 | 894 |
| Hamilton County, OH | Mortgage lenders | 97% | 726 | 658 |
| Butler County, OH | Mortgage lenders | 97% | 551 | 498 |
| Kent County, MI | Mortgage lenders | 98% | 346 | 323 |
| Knox County, TN | Mortgage lenders | 95% | 367 | 320 |
| Montgomery County, TN | Mortgage lenders | 93% | 318 | 286 |
| Montgomery County, OH | Mortgage lenders | 98% | 320 | 285 |
| Marion County, IN | Mortgage lenders | 94% | 324 | 282 |
| Davidson County, TN | Mortgage lenders | 93% | 309 | 272 |
| Oakland County, MI | Mortgage lenders | 97% | 271 | 245 |
| Madison County, AL | Mortgage lenders | 93% | 283 | 242 |
| Macomb County, MI | Mortgage lenders | 94% | 252 | 225 |
The county markets where First Community Mortgage, Inc. made the most loans. Each link opens that market with every lender ranked.
Questions about First Community Mortgage, Inc.
What is First Community Mortgage, Inc.'s mortgage approval rate?
First Community Mortgage, Inc. approved 93.1% of the 21,097 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 7.8 points above the 85.3% national rate for the same mix of loan types.
How often do borrowers take the loan First Community Mortgage, Inc. offers?
Borrowers accepted 93% of the loans First Community Mortgage, Inc. approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does First Community Mortgage, Inc. make?
The typical home purchase mortgage loan First Community Mortgage, Inc. made was $275K; across all loan types its typical loan ran from $165K to $295K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does First Community Mortgage, Inc. lend?
First Community Mortgage, Inc. decided applications in 47 of the states Fat Boy Data covers, most of them in Tennessee, Ohio and Michigan.
Can I apply to First Community Mortgage, Inc. directly?
Yes. First Community Mortgage, Inc. reports as a direct lender that takes applications from borrowers. Its website is firstcommunitymortgage.com.
Does this page show First Community Mortgage, Inc.'s interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how First Community Mortgage, Inc. treats applications, then get a rate quote from the lender.