FIRST COMMUNITY
FIRST COMMUNITY received 1,882 applications in 2025 and made 1,200 mortgages, in 47 counties across 7 states. The median rate its borrowers got was 5.500% on a median loan of $155,000. Of 1,565 decisions, 355 were denials — 22.7%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300L44U62O7WHRR78 |
|---|---|
| Applications received | 1,882 |
| Mortgages made | 1,200 |
| Denied | 355 |
| Approved, not taken up | 10 |
| Withdrawn or incomplete | 317 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -1.57 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 | 235 | 5.500% | $325,000 | 12.0% |
| Refinancing | 176 | 5.000% | $330,000 | 12.4% |
| Cash-out refinancing | 270 | 5.500% | $210,000 | 18.6% |
| Other purposes | 519 | 5.500% | $65,000 | 30.9% |
Where FIRST COMMUNITY lends most
The 47 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Coos County, OR | 174 | 5.500% | 24.9% |
| Umatilla County, OR | 125 | 5.500% | 26.0% |
| Washington County, OR | 109 | 5.500% | 17.3% |
| Jackson County, OR | 104 | 5.500% | 20.6% |
| Josephine County, OR | 100 | 5.500% | 27.5% |
| Deschutes County, OR | 99 | 5.500% | 10.7% |
| Douglas County, OR | 98 | 5.500% | 20.2% |
| Lane County, OR | 73 | 5.500% | 25.5% |
| Yamhill County, OR | 72 | 5.500% | 24.0% |
| Klamath County, OR | 59 | 5.500% | 20.3% |
| Polk County, OR | 43 | 5.500% | 21.8% |
| Multnomah County, OR | 20 | 5.250% | 22.2% |
| Clackamas County, OR | 17 | 5.500% | 39.3% |
| Marion County, OR | 16 | 5.500% | 20.0% |
| Lake County, OR | 14 | 5.500% | 22.2% |
| Harney County, OR | 11 | 5.500% | 21.4% |
| Clark County, WA | 8 | Under 10 loans | 0.0% |
| Lincoln County, OR | 7 | Under 10 loans | 30.0% |
| Crook County, OR | 6 | Under 10 loans | 25.0% |
| Linn County, OR | 6 | Under 10 loans | 14.3% |
| Tillamook County, OR | 6 | Under 10 loans | 14.3% |
| Maricopa County, AZ | 5 | Under 10 loans | 0.0% |
| Curry County, OR | 3 | Under 10 loans | 25.0% |
| Grant County, OR | 3 | Under 10 loans | 57.1% |
| Wallowa County, OR | 3 | Under 10 loans | 0.0% |
| Columbia County, OR | 2 | Under 10 loans | 33.3% |
| Gilliam County, OR | 2 | Under 10 loans | 33.3% |
| Morrow County, OR | 2 | Under 10 loans | 50.0% |
| Walla Walla County, WA | 2 | Under 10 loans | 0.0% |
| Pinal County, AZ | 1 | Under 10 loans | 0.0% |
| Del Norte County, CA | 1 | Under 10 loans | 0.0% |
| Ada County, ID | 1 | Under 10 loans | 0.0% |
| Kootenai County, ID | 1 | Under 10 loans | 0.0% |
| Gallatin County, MT | 1 | Under 10 loans | 0.0% |
| Benton County, OR | 1 | Under 10 loans | 0.0% |
| Union County, OR | 1 | Under 10 loans | 0.0% |
| Wasco County, OR | 1 | Under 10 loans | 66.7% |
| Benton County, WA | 1 | Under 10 loans | 50.0% |
| King County, WA | 1 | Under 10 loans | 0.0% |
| Klickitat County, WA | 1 | Under 10 loans | 50.0% |
| Mohave County, AZ | 0 | Under 10 loans | Not published |
| Modoc County, CA | 0 | Under 10 loans | 100.0% |
| Washoe County, NV | 0 | Under 10 loans | Not published |
| Clatsop County, OR | 0 | Under 10 loans | 100.0% |
| Jefferson County, OR | 0 | Under 10 loans | 100.0% |
| Cowlitz County, WA | 0 | Under 10 loans | 50.0% |
| Lewis County, WA | 0 | Under 10 loans | Not published |
Get told when this changes
When FIRST COMMUNITY’s figures are published for the next year, or restated.
Double opt-in, one click to unsubscribe. We never sell or share the list, and we are not a lender, a broker or a lead generator: this is a notification about published data, not a sales call. Privacy.
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.