FIRST COMMERCE CREDIT UNION
FIRST COMMERCE CREDIT UNION received 876 applications in 2025 and made 545 mortgages, in 46 counties across 4 states. The median rate its borrowers got was 7.250% on a median loan of $105,000. Of 797 decisions, 175 were denials — 22.0%, most often for debt-to-income ratio. 2 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 549300GMNBYF84V5RF83 |
|---|---|
| Applications received | 876 |
| Mortgages made | 545 |
| Denied | 175 |
| Approved, not taken up | 77 |
| Withdrawn or incomplete | 79 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.03 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 108 | 6.125% | $235,000 | 14.5% |
| Refinancing | 24 | 6.625% | $140,000 | 26.5% |
| Cash-out refinancing | 175 | 7.250% | $95,000 | 16.4% |
| Other purposes | 238 | 7.250% | $65,000 | 27.1% |
Where FIRST COMMERCE CREDIT UNION lends most
The 46 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Leon County, FL | 269 | 7.240% | 19.2% |
| Lowndes County, GA | 42 | 7.500% | 35.3% |
| Thomas County, GA | 36 | 6.995% | 20.0% |
| Wakulla County, FL | 33 | 7.250% | 11.1% |
| Jackson County, FL | 28 | 7.250% | 22.5% |
| Cook County, GA | 24 | 7.620% | 31.0% |
| Gadsden County, FL | 16 | 7.250% | 33.3% |
| Berrien County, GA | 15 | 6.750% | 35.7% |
| Bay County, FL | 14 | 7.000% | 12.5% |
| Jefferson County, FL | 11 | 7.500% | 8.3% |
| Grady County, GA | 9 | Under 10 loans | 18.2% |
| Colquitt County, GA | 6 | Under 10 loans | 0.0% |
| Brooks County, GA | 5 | Under 10 loans | 28.6% |
| Calhoun County, FL | 4 | Under 10 loans | 0.0% |
| Duval County, FL | 4 | Under 10 loans | 0.0% |
| Orange County, FL | 3 | Under 10 loans | 25.0% |
| Lanier County, GA | 3 | Under 10 loans | 0.0% |
| Escambia County, FL | 2 | Under 10 loans | 0.0% |
| Holmes County, FL | 2 | Under 10 loans | 0.0% |
| Liberty County, FL | 2 | Under 10 loans | 0.0% |
| Madison County, FL | 2 | Under 10 loans | 0.0% |
| Mitchell County, GA | 2 | Under 10 loans | 0.0% |
| Baldwin County, AL | 1 | Under 10 loans | 0.0% |
| Broward County, FL | 1 | Under 10 loans | 0.0% |
| Franklin County, FL | 1 | Under 10 loans | 50.0% |
| Hillsborough County, FL | 1 | Under 10 loans | 0.0% |
| Nassau County, FL | 1 | Under 10 loans | 0.0% |
| Okaloosa County, FL | 1 | Under 10 loans | 0.0% |
| Pinellas County, FL | 1 | Under 10 loans | 0.0% |
| Taylor County, FL | 1 | Under 10 loans | 50.0% |
| Walton County, FL | 1 | Under 10 loans | 50.0% |
| Ben Hill County, GA | 1 | Under 10 loans | 0.0% |
| Fannin County, GA | 1 | Under 10 loans | 0.0% |
| Gwinnett County, GA | 1 | Under 10 loans | 0.0% |
| Towns County, GA | 1 | Under 10 loans | 0.0% |
| Marion County, FL | 0 | Under 10 loans | 100.0% |
| Martin County, FL | 0 | Under 10 loans | 100.0% |
| St. Lucie County, FL | 0 | Under 10 loans | 100.0% |
| Seminole County, FL | 0 | Under 10 loans | Not published |
| Bleckley County, GA | 0 | Under 10 loans | Not published |
| Coffee County, GA | 0 | Under 10 loans | Not published |
| Decatur County, GA | 0 | Under 10 loans | 100.0% |
| Quitman County, GA | 0 | Under 10 loans | Not published |
| Rockdale County, GA | 0 | Under 10 loans | 100.0% |
| Ware County, GA | 0 | Under 10 loans | 100.0% |
| Spartanburg County, SC | 0 | Under 10 loans | 100.0% |
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When FIRST COMMERCE CREDIT UNION’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.