First Community Bank
First Community Bank received 27 applications in 2025 and made 23 mortgages, in 8 counties across 1 state. The median rate its borrowers got was Not published on a median loan of $285,000. Of 26 decisions, 3 were denials — 11.5%.
| Legal Entity Identifier | 254900Q4OHCZ5HC5KM52 |
|---|---|
| Applications received | 27 |
| Mortgages made | 23 |
| Denied | 3 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 1 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: First Community Bank, 4 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 12 | Not published | $360,000 | 14.3% |
| Refinancing | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Cash-out refinancing | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Other purposes | 2 | Under 10 loans | Under 10 loans | 0.0% |
Where First Community Bank lends most
The 8 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Emmet County, MI | 12 | Not published | 7.7% |
| Cheboygan County, MI | 3 | Under 10 loans | 0.0% |
| Grand Traverse County, MI | 2 | Under 10 loans | 33.3% |
| Kent County, MI | 2 | Under 10 loans | 33.3% |
| Antrim County, MI | 1 | Under 10 loans | 0.0% |
| Kalamazoo County, MI | 1 | Under 10 loans | 0.0% |
| Muskegon County, MI | 1 | Under 10 loans | 0.0% |
| Wexford County, MI | 1 | Under 10 loans | 0.0% |
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When First Community 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.