PlainLender

FIRST COMMUNITY BANK

CORPUS CHRISTI, TX

FIRST COMMUNITY BANK processed 249 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 203 loans with a 2.8% denial rate. Home Purchase was the primary loan purpose. Based in CORPUS CHRISTI, TX. The approval rate of 81.5% reflects originated loans as a share of all applications. Below you will find a breakdown by loan type, loan purpose, denial reasons, and demographic lending patterns as required by the Home Mortgage Disclosure Act.

Portfolio scale. FIRST COMMUNITY BANK processed 249 HMDA-reported mortgage applications in 2024, originating 203 loans and denying 7 for a denial rate of 2.8% (applicants themselves withdrew 32 files before a decision). The average loan amount was $262,590. The lender reports under LEI 549300L4Z4LTG4TJTM66 from CORPUS CHRISTI, TX.

Why approval and denial rates diverge. Approval (origination) rate and denial rate do not sum to 100% — HMDA records several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. FIRST COMMUNITY BANK's 81.5% origination rate tells you how often an application turned into funded money; the 2.8% denial rate is a separate read on underwriting strictness. Most activity concentrated in Conventional loans (178 applications).

How to read this page. These figures are aggregate HMDA disclosures — they describe this lender's overall 2024 book, not your individual odds. Approval and denial rates are shaped by the applicant mix a lender actually receives: credit profile, loan-to-value, debt-to-income, property type, and geography. A lower denial rate at one lender versus another does not necessarily mean easier underwriting — it often reflects borrower self-selection and loan-product specialization. This page is informational data reporting, not financial, legal, or mortgage advice. Compare multiple lenders, read your Loan Estimate carefully, and consult a licensed mortgage professional before applying. Data reflects 2024 disclosures published by the CFPB in 2025.

249
Applications
203
Originated
2.8%
Denial Rate
$262,590
Avg Loan Amount

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 178 146 6 $268,483
FHA 58 49 0 $227,931
VA 13 8 1 $336,538

Top loan types — FIRST COMMUNITY BANK

Top loan types — FIRST COMMUNITY BANK Horizontal bar chart of the top 3 items by value (applications). Top loan types — FIRST COMMUNITY BANK Top 3 1. Conventional 178 2. FHA 58 3. VA 13 Top 5 loan types by application volume at FIRST COMMUNITY BANK (HMDA 2023). Source: CFPB HMDA loan/application register.

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2023 LAR — application-level mortgage data for FIRST COMMUNITY BANK (LEI: 549300L4Z4LTG4TJTM66) · 2023 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Home Purchase 202 168 $277,030
Refinancing 24 21 $207,500
Home Improvement 13 11 $158,846
Cash-out Refinancing 6 2 $196,667
Other 2 1 $320,000

Geographic Coverage — Lending by Race

Derived race categories as reported under HMDA. Source: CFPB.

Race Applications Approval Rate Denial Rate
White 169 75.7% 3.5%
Joint 3 100.0% 0.0%
American Indian or Alaska Native 2 100.0% 0.0%
Asian 1 100.0% 0.0%
Black or African American 1 0.0% 0.0%

Lending by Ethnicity

Hispanic/Latino is an ethnicity, not a race. Shown separately per U.S. Census Bureau standards.

Ethnicity Applications Approval Rate Denial Rate
Hispanic or Latino 98 73.5% 5.1%
Not Hispanic or Latino 69 78.3% 0.0%
Joint 10 80.0% 10.0%

Nearby Lenders in TX

Other HMDA-reporting lenders in TX with similar activity. Compare any two side-by-side.

Nationstar Mortgage

Coppell, TX

110,111 apps 41,693 originated 9.2% denied

DHI Mortgage Company, LTD.

Austin, TX

96,056 apps 70,673 originated 10.3% denied

PRIMELENDING

DALLAS, TX

36,578 apps 25,147 originated 5.3% denied

Credit Human Federal Credit Un

San Antonio, TX

28,052 apps 2,953 originated 75.7% denied

USAA BANK

SAN ANTONIO, TX

28,020 apps 13,205 originated 23.5% denied
Compare FIRST COMMUNITY BANK vs Nationstar Mortgage →

Mortgage Lending Guides

Why Mortgages Get Denied
Common denial reasons and how to improve your chances
Comparing Mortgage Lenders
What to look for when choosing a mortgage lender
Getting the Best Mortgage Rate
Strategies for securing the lowest interest rate
Understanding HMDA Data
How to read and interpret mortgage disclosure data
Denial Rates by Demographics
Demographic patterns in mortgage approval and denial

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Bank Financial Data → Credit Union Data → Financial Advisor Lookup → Home Insurance Costs → Property Tax Data → Rent Price Data →

Frequently Asked Questions

How many mortgage applications did FIRST COMMUNITY BANK process?
FIRST COMMUNITY BANK processed 249 mortgage applications in the 2023 HMDA reporting year. Of these, 203 were originated (approved and funded), 32 were withdrawn by the applicant, and 7 were denied.
What is FIRST COMMUNITY BANK's mortgage approval rate?
FIRST COMMUNITY BANK has an approval (origination) rate of 81.5%, meaning 81.5% of all applications resulted in a funded mortgage. The denial rate is 2.8%.
What is the average loan amount at FIRST COMMUNITY BANK?
The average mortgage loan amount at FIRST COMMUNITY BANK is $262,590.
What types of mortgage loans does FIRST COMMUNITY BANK offer?
FIRST COMMUNITY BANK processes Conventional, FHA, VA loans. The most common type is Conventional with 178 applications and an average loan amount of $268,483.
What loan purposes does FIRST COMMUNITY BANK serve?
FIRST COMMUNITY BANK serves the following loan purposes: Home Purchase (202 applications), Refinancing (24 applications), Home Improvement (13 applications), Cash-out Refinancing (6 applications), Other (2 applications). Home Purchase is the most common purpose.
Where is FIRST COMMUNITY BANK located?
FIRST COMMUNITY BANK is headquartered in CORPUS CHRISTI, TX. The lender is identified by LEI 549300L4Z4LTG4TJTM66 in HMDA data.
How does FIRST COMMUNITY BANK compare in lending across racial demographics?
FIRST COMMUNITY BANK reports demographic lending data under HMDA requirements. White applicants have an approval rate of 75.7% and denial rate of 3.5%; Joint applicants have an approval rate of 100.0% and denial rate of 0.0%; American Indian or Alaska Native applicants have an approval rate of 100.0% and denial rate of 0.0%. This data reflects derived race categories as reported by applicants.

Data Sources

Data as of 2024. Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 Snapshot.

Data from FFIEC / CFPB HMDA 2024 Snapshot National Loan-Level Dataset. Demographic data reflects derived categories as reported by applicants. Denial rates include all application outcomes. This data is provided for informational purposes only.

Read our methodology — how this data is sourced, computed, and verified.