Lender profile · HMDA 2023–2025
Plains Commerce Bank mortgage approval rates & lending data
Plains Commerce Bank decided 32,254 mortgage applications and funded 30,310 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval 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 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.