Plains Commerce Bank mortgage approval rate & lending review
Plains Commerce Bank decided 32,254 mortgage applications and funded 30,310 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Plains Commerce Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Plains Commerce Bank at a glance
Approval is 8.0 points above the 86.1% 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 | 95% | 26,505 / 28,044 | 100% | $335K | 26,474 |
| Home improvement loans | 90% | 192 / 213 | 99% | $55K | 191 |
| Cash-out refinance | 90% | 1,114 / 1,239 | 100% | $295K | 1,109 |
| Refinance | 89% | 1,023 / 1,146 | 99% | $395K | 1,015 |
| Investment property purchase | 95% | 1,172 / 1,233 | 99% | $245K | 1,166 |
| Investment cash-out refinance | 89% | 117 / 131 | 100% | $315K | 117 |
| Investment refinance | 96% | 205 / 214 | 100% | $375K | 205 |
| Investment home improvement | 97% | 33 / 34 | 100% | $165K | 33 |
Plains Commerce Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Florida | 91% | $315K | 6,371 | 5,807 |
| Arizona | 93% | $405K | 2,826 | 2,641 |
| South Dakota | 96% | $275K | 2,793 | 2,666 |
| Texas | 93% | $315K | 2,638 | 2,449 |
| Utah | 96% | $395K | 1,675 | 1,600 |
| Colorado | 96% | $485K | 1,137 | 1,089 |
| New York | 96% | $545K | 1,014 | 970 |
| California | 96% | $475K | 966 | 925 |
| Georgia | 96% | $325K | 749 | 716 |
| North Carolina | 97% | $425K | 705 | 684 |
| Virginia | 95% | $355K | 701 | 664 |
| Michigan | 96% | $265K | 669 | 641 |
| New Jersey | 96% | $495K | 651 | 621 |
| Maryland | 95% | $405K | 615 | 583 |
| Minnesota | 92% | $315K | 601 | 551 |
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 Plains Commerce Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Minnehaha County, SD | Mortgage lenders | 98% | 1,864 | 1,819 |
| Maricopa County, AZ | Mortgage lenders | 93% | 1,910 | 1,785 |
| Polk County, FL | Mortgage lenders | 93% | 757 | 705 |
| Salt Lake County, UT | Mortgage lenders | 96% | 565 | 543 |
| Orange County, FL | Mortgage lenders | 93% | 502 | 466 |
| Utah County, UT | Mortgage lenders | 96% | 424 | 408 |
| Miami-Dade County, FL | Mortgage lenders | 88% | 443 | 389 |
| Pennington County, SD | Mortgage lenders | 97% | 364 | 352 |
| Brevard County, FL | Mortgage lenders | 97% | 347 | 336 |
| Broward County, FL | Mortgage lenders | 86% | 385 | 332 |
| Hillsborough County, FL | Mortgage lenders | 90% | 313 | 283 |
| Tarrant County, TX | Mortgage lenders | 94% | 289 | 271 |
The county markets where Plains Commerce Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Plains Commerce Bank
What is Plains Commerce Bank's mortgage approval rate?
Plains Commerce Bank approved 94.1% of the 32,254 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 8.0 points above the 86.1% national rate for the same mix of loan types.
How often do borrowers take the loan Plains Commerce Bank offers?
Borrowers accepted 100% of the loans Plains Commerce Bank 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 Plains Commerce Bank make?
The typical home purchase mortgage loan Plains Commerce Bank made was $335K; across all loan types its typical loan ran from $55K to $395K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Plains Commerce Bank lend?
Plains Commerce Bank decided applications in 51 of the states Fat Boy Data covers, most of them in Florida, Arizona and South Dakota.
Can I apply to Plains Commerce Bank directly?
Yes. Plains Commerce Bank is a bank or credit union with 8 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Plains Commerce Bank'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 Plains Commerce Bank treats applications, then get a rate quote from the lender.