# First Commercial Bank (USA)

> **Canonical URL:** https://saferate.com/lenders/first-commercial-bank-usa


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


First Commercial Bank (USA) is a bank, headquartered in Alhambra, CA, with 49 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 82% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 55% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 5493008H68QG2A0MK376
- **Headquarters:** Alhambra, CA
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** CA
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Mediocre 😐
- Score: 18/100
- Rating: ●○○○○ (1/5)

### Pull Through: Sound ☺️
- Score: 45/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** -0.119%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,445
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 49
- **Dollar Volume:** $26 million
- **Applications Received:** 64
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $528,061
- **Average Borrower Income:** $180,143
- **Average Property Value:** $1,007,653

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 21/100 | 47 | -0.107% | $2,341 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 33 loans, Score: 21/100 (Acceptable)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 22/100 | 35 | $21M | -0.104% | Acceptable 🙂 |
| Refinance | 22/100 | 14 | $5M | -0.163% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| CA | 49 | 0.02% | 59/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Los Angeles | CA | 18 | 54/100 |
| Riverside | CA | 18 | 54/100 |

## Frequently Asked Questions

### What loan types does First Commercial Bank (USA) offer?

First Commercial Bank (USA) offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does First Commercial Bank (USA) offer mortgages?

First Commercial Bank (USA) offers mortgages in 1 states: CA.

### How competitive are First Commercial Bank (USA)'s mortgage rates?

First Commercial Bank (USA) has a pricing score of 18/100 (Mediocre), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.119% below market average.

### What type of lender is First Commercial Bank (USA)?

First Commercial Bank (USA) is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Alhambra, CA.

### What is First Commercial Bank (USA)'s loan approval success rate?

First Commercial Bank (USA) has a pull-through score of 45/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/first-commercial-bank-usa

### How to Cite

> "First Commercial Bank (USA) Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/first-commercial-bank-usa

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