Lender profile · HMDA 2023–2025
National Bank of Commerce mortgage approval rates & lending data
National Bank of Commerce decided 355 mortgage applications and funded 334 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 100% | 159 / 159 | 99% | $235K | 157 |
| Cash-out refinance | 77% | 24 / 31 | 96% | $175K | 23 |
| Refinance | 86% | 25 / 29 | 92% | $75K | 23 |
| Investment property purchase | 95% | 59 / 62 | 100% | $215K | 59 |
| Investment refinance | 100% | 54 / 54 | 98% | $165K | 53 |
National Bank of Commerce lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Minnesota | 96% | $215K | 340 | 320 |
| Florida | 100% | $465K | 6 | 6 |
| Wisconsin | 100% | $145K | 2 | 2 |
| Arizona | 100% | $505K | 1 | 1 |
| Colorado | 100% | $1.58M | 1 | 1 |
| Georgia | 0% | — | 1 | 0 |
| Iowa | 100% | $265K | 1 | 1 |
| South Carolina | 100% | $125K | 1 | 1 |
| South Dakota | 100% | $555K | 1 | 1 |
| Texas | 100% | $465K | 1 | 1 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.