The Commercial Bank
The Commercial Bank received 119 applications in 2025 and made 107 mortgages, in 20 counties across 2 states. The median rate its borrowers got was Not published on a median loan of $185,000. Of 111 decisions, 4 were denials — 3.6%.
| Legal Entity Identifier | 549300TUT7EEMS8S2B86 |
|---|---|
| Applications received | 119 |
| Mortgages made | 107 |
| Denied | 4 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 8 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: The Commercial Bank, 5 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 43 | Not published | $225,000 | 4.4% |
| Refinancing | 58 | Not published | $145,000 | 3.3% |
| Other purposes | 6 | Under 10 loans | Under 10 loans | 0.0% |
Where The Commercial Bank lends most
The 20 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Clarke County, GA | 33 | Not published | 2.9% |
| Oglethorpe County, GA | 15 | Not published | 0.0% |
| Madison County, GA | 14 | Not published | 6.7% |
| Oconee County, GA | 12 | Not published | 0.0% |
| Baldwin County, GA | 8 | Under 10 loans | 0.0% |
| Elbert County, GA | 5 | Under 10 loans | 16.7% |
| Barrow County, GA | 3 | Under 10 loans | 0.0% |
| Newton County, GA | 3 | Under 10 loans | 0.0% |
| Hart County, GA | 2 | Under 10 loans | 0.0% |
| Rabun County, GA | 2 | Under 10 loans | 0.0% |
| Walton County, GA | 2 | Under 10 loans | 33.3% |
| Banks County, GA | 1 | Under 10 loans | 0.0% |
| Bulloch County, GA | 1 | Under 10 loans | 0.0% |
| Glynn County, GA | 1 | Under 10 loans | 0.0% |
| Gwinnett County, GA | 1 | Under 10 loans | 0.0% |
| Hancock County, GA | 1 | Under 10 loans | 0.0% |
| Jackson County, GA | 1 | Under 10 loans | 0.0% |
| Pickens County, SC | 1 | Under 10 loans | 0.0% |
| Williamsburg County, SC | 1 | Under 10 loans | 0.0% |
| Franklin County, GA | 0 | Under 10 loans | Not published |
Get told when this changes
When The Commercial Bank’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.