First Community Bank of Central Alabama
First Community Bank of Central Alabama received 105 applications in 2025 and made 90 mortgages, in 9 counties across 2 states. The median rate its borrowers got was Not published on a median loan of $175,000. Of 105 decisions, 13 were denials — 12.4%.
| Legal Entity Identifier | 549300VIIXX6NYY12891 |
|---|---|
| Applications received | 105 |
| Mortgages made | 90 |
| Denied | 13 |
| Approved, not taken up | 2 |
| Withdrawn or incomplete | 0 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: First Community Bank of Central Alabama, 9 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 57 | Not published | $185,000 | 11.9% |
| Refinancing | 28 | Not published | $165,000 | 3.5% |
| Other purposes | 5 | Under 10 loans | Under 10 loans | 44.4% |
Where First Community Bank of Central Alabama lends most
The 9 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Elmore County, AL | 57 | Not published | 14.7% |
| Montgomery County, AL | 9 | Under 10 loans | 10.0% |
| Tallapoosa County, AL | 8 | Under 10 loans | 0.0% |
| Autauga County, AL | 6 | Under 10 loans | 25.0% |
| Lee County, AL | 6 | Under 10 loans | 0.0% |
| Coosa County, AL | 1 | Under 10 loans | 0.0% |
| Jefferson County, AL | 1 | Under 10 loans | 0.0% |
| Bay County, FL | 1 | Under 10 loans | 0.0% |
| Walton County, FL | 1 | Under 10 loans | 0.0% |
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When First Community Bank of Central Alabama’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.