First Community Mortgage, Inc.: 2025 mortgage rates, costs & approvals
How First Community Mortgage, Inc. priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: FIRST COMMUNITY MORTGAGE, INC. · LEI 549300R0SXC1JU7ZU290
In 2025, First Community Mortgage, Inc. originated 9,279 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 47 states — 63rd by volume among the 2,017 lenders profiled here.
On conventional 30-year fixed purchase loans its median rate was 6.625% (all lenders: 6.625%); its median rate spread was 13 basis points above the national median. Median conventional loan costs were $5,580, about the same as the national median ($5,570).
It denied 5.6% of completed home-purchase applications (all lenders: 8.5%).
How First Community Mortgage, Inc. priced home-purchase loans
| Purchase loans, 2025 | First Community Mortgage, Inc. | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | 6.625% | 6.625% |
| 30-year fixed rate · FHA | 6.375% | 6.250% |
| 30-year fixed rate · VA | 6.250% | 6.125% |
| 15-year fixed rate · conventional | 5.875% | 5.875% |
| Rate spread vs. APOR · conventional | +0.26 pts | +0.13 pts |
| Total loan costs · conventional | $5,580 | $5,570 |
| Total loan costs · FHA | $10,800 | $11,310 |
| Total loan costs · VA | $8,070 | $6,490 |
| Origination charges (all types) | $2,910 | $1,860 |
| Borrowers paying discount points | 54.6% | 51.3% |
| Points paid, when paid (% of loan) | 0.79% | 0.87% |
| Borrowers receiving lender credits | 41.0% | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Why First Community Mortgage, Inc. denied purchase applications
First reason the lender reported for each denied home-purchase application.
Where First Community Mortgage, Inc. lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| Tennessee | 2,210 | 2,605 | 5.1% | 6.500% | $6,180 |
| Ohio | 1,079 | 1,250 | 3.2% | 6.750% | $5,900 |
| Michigan | 652 | 741 | 2.8% | 6.625% | $4,770 |
| Florida | 482 | 614 | 10.6% | 6.625% | $7,470 |
| Virginia | 471 | 547 | 7.1% | 6.625% | $5,310 |
| Georgia | 459 | 557 | 6.5% | 6.625% | $6,570 |
| Alabama | 455 | 550 | 7.5% | 6.625% | $4,610 |
| Pennsylvania | 369 | 412 | 3.1% | 6.625% | $5,230 |
| Kentucky | 358 | 423 | 4.1% | 6.625% | $4,630 |
| Indiana | 342 | 410 | 5.2% | 6.875% | $4,970 |
| North Carolina | 309 | 388 | 8.2% | 6.625% | $6,750 |
| Arkansas | 254 | 300 | 6.6% | 6.750% | $4,340 |
| Mississippi | 225 | 284 | 9.6% | 6.500% | $5,170 |
| Massachusetts | 197 | 231 | 5.0% | 6.625% | $5,940 |
| Louisiana | 183 | 221 | 7.6% | 6.500% | $4,610 |
| Iowa | 164 | 188 | 3.9% | 6.625% | $2,810 |
| Texas | 161 | 197 | 4.7% | 6.625% | $7,820 |
| Maryland | 153 | 175 | 5.6% | 6.625% | $5,590 |
| Illinois | 117 | 129 | 0.0% | 6.990% | $7,060 |
| California | 111 | 134 | 7.4% | 6.375% | $6,570 |
| South Carolina | 89 | 105 | 6.1% | 6.875% | $7,210 |
| Missouri | 55 | 74 | 18.6% | 6.875% | $2,730 |
| Colorado | 53 | 63 | 9.1% | 6.625% | $4,370 |
| Delaware | 48 | 56 | 4.7% | 6.490% | $9,180 |
| Nebraska | 41 | 45 | 5.7% | — | — |
| New Hampshire | 40 | 47 | 6.3% | 6.500% | $5,710 |
| Wisconsin | 31 | 33 | 4.0% | — | — |
| New Jersey | 25 | 30 | 10.0% | — | — |
| Rhode Island | 25 | 28 | — | — | — |
| Arizona | 22 | 24 | — | — | — |
| Connecticut | 15 | 21 | — | — | — |
| Idaho | 12 | 13 | — | — | — |
| Kansas | 11 | 11 | — | — | — |
| Oklahoma | 9 | 10 | — | — | — |
| Maine | 9 | 9 | — | — | — |
| Oregon | 8 | 11 | — | — | — |
| New Mexico | 6 | 7 | — | — | — |
| District of Columbia | 6 | 6 | — | — | — |
| West Virginia | 5 | 5 | — | — | — |
| Minnesota | 4 | 6 | — | — | — |
| Washington | 4 | 4 | — | — | — |
| Nevada | 3 | 5 | — | — | — |
| North Dakota | 3 | 3 | — | — | — |
| South Dakota | 2 | 3 | — | — | — |
| Vermont | 1 | 2 | — | — | — |
| Montana | 1 | 1 | — | — | — |
| Utah | 0 | 1 | — | — | — |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open First Community Mortgage, Inc.'s page for that state.
Counties where First Community Mortgage, Inc. is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Benton County, TN | 1 | 50 | 21.4% |
| Moore County, TN | 1 | 21 | 16.9% |
| Henderson County, TN | 1 | 47 | 16.3% |
| Decatur County, TN | 1 | 21 | 15.9% |
| Bedford County, TN | 1 | 120 | 14.2% |
| Woodruff County, AR | 2 | 4 | 13.3% |
| Noxubee County, MS | 2 | 2 | 12.5% |
| Carroll County, TN | 3 | 43 | 11.5% |
| Jackson County, AR | 3 | 13 | 11.0% |
| Weakley County, TN | 1 | 35 | 10.7% |
| Tippah County, MS | 2 | 11 | 10.5% |
| Attala County, MS | 4 | 12 | 10.2% |
| East Feliciana Parish, LA | 2 | 14 | 10.0% |
| Haywood County, TN | 1 | 15 | 9.6% |
| Franklin County, TN | 2 | 66 | 9.4% |
Check First Community Mortgage, Inc. yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 549300R0SXC1JU7ZU290.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from First Community Mortgage, Inc. with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology