First Commerce Credit Union Mortgage Lending & HMDA Data, 2025
In 2025, First Commerce Credit Union of Tallahassee, FL reported 958 mortgage applications totaling $133.6 million, up 1% from 2024. The average application was for $139,425, and applicants reported an average income of $154,736. 57% of its applications resulted in an originated loan and 26% were denied. Its largest markets were Tallahassee, FL (527), Valdosta, GA (87) and Panama City, FL (18) (applications in parentheses).
| Mortgage Company & Address | First Commerce Credit Union 107 E College Ave Tallahassee, FL 32317 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 |
| Total Number of Mortgage Applications | 958 |
| Total Mortgage Loan Application Amount | $133,570,000 |
| Average Mortgage Loan Application Amount | $139,425 |
| Highest Mortgage Loan Application Amount | $2,005,000 |
| Average Applicant Income | $154,736 |
| Highest Applicant Income | $4,244,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records First Commerce Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Tallahassee, FL | 527 | $ 75,515,000 | $ 143,292 | $ 151,000 |
| Outside any metro area | 296 | $ 34,060,000 | $ 115,067 | $ 154,445 |
| Valdosta, GA | 87 | $ 9,795,000 | $ 112,586 | $ 141,000 |
| Panama City, FL | 18 | $ 7,090,000 | $ 393,888 | $ 252,000 |
| Jacksonville, FL | 7 | $ 1,425,000 | $ 203,571 | $ 259,000 |
| Orlando-Kissimmee-Sanford, FL | 7 | $ 2,325,000 | $ 332,142 | $ 164,000 |
| Crestview-Fort Walton Beach-Destin, FL | 3 | $ 325,000 | $ 108,333 | $ 179,000 |
| Atlanta-Sandy Springs-Roswell, GA | 2 | $ 480,000 | $ 240,000 | $ 175,000 |
| Pensacola-Ferry Pass-Brent, FL | 2 | $ 440,000 | $ 220,000 | $ 211,000 |
| Port St. Lucie, FL | 2 | $ 530,000 | $ 265,000 | $ 28,000 |
| St. Petersburg-Clearwater-Largo, FL | 2 | $ 530,000 | $ 265,000 | $ 105,000 |
| Daphne-Fairhope-Foley, AL | 1 | $ 25,000 | $ 25,000 | $ 27,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 725,000 | $ 725,000 | $ 485,000 |
| Ocala, FL | 1 | $ 95,000 | $ 95,000 | $ 79,000 |
| Spartanburg, SC | 1 | $ 15,000 | $ 15,000 | $ 48,000 |
| Tampa, FL | 1 | $ 195,000 | $ 195,000 | $ 326,000 |
Mortgage Loan Application Detail Totals for First Commerce Credit Union in 2025
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Cash-out Refinancing | 263 | $35,375,000 | $134,000 | $2,005,000 | $163,000 | $4,075,000 |
| Not Applicable | 240 | $20,830,000 | $86,000 | $505,000 | $141,000 | $4,244,000 |
| Home Purchase | 186 | $52,320,000 | $281,000 | $985,000 | $177,000 | $4,200,000 |
| Other Purpose | 116 | $9,860,000 | $85,000 | $355,000 | $139,000 | $3,640,000 |
| Home Improvement | 109 | $8,425,000 | $77,000 | $405,000 | $155,000 | $3,458,000 |
| Refinancing | 44 | $6,760,000 | $153,000 | $455,000 | $127,000 | $1,200,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 613 | $87,975,000 | $143,000 | $985,000 | $146,000 | $4,075,000 |
| Black or African American | 148 | $15,120,000 | $102,000 | $595,000 | $177,000 | $4,244,000 |
| Not Provided | 122 | $13,730,000 | $112,000 | $765,000 | $163,000 | $3,458,000 |
| Hispanic | 31 | $4,685,000 | $151,000 | $765,000 | $142,000 | $619,000 |
| Not applicable | 22 | $5,030,000 | $228,000 | $1,105,000 | $0 | $0 |
| Asian | 16 | $4,410,000 | $275,000 | $1,105,000 | $156,000 | $297,000 |
| American Indian or Alaskan Native | 5 | $2,415,000 | $483,000 | $2,005,000 | $393,000 | $1,200,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $205,000 | $205,000 | $205,000 | $65,000 | $65,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 954 | $133,010,000 | $139,000 | $2,005,000 | $155,000 | $4,244,000 |
| FHA-insured (Federal Housing Administration) | 3 | $535,000 | $178,000 | $325,000 | $75,000 | $103,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $25,000 | $25,000 | $25,000 | $13,000 | $13,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 545 | $79,515,000 | $145,000 | $2,005,000 | $134,000 | $968,000 |
| Application Denied By Financial Institution | 250 | $24,230,000 | $96,000 | $405,000 | $197,000 | $4,244,000 |
| Application Withdrawn By Applicant | 84 | $22,830,000 | $271,000 | $1,105,000 | $202,000 | $4,200,000 |
| Application Approved But Not Accepted | 79 | $6,995,000 | $88,000 | $505,000 | $109,000 | $420,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 708 | $109,340,000 | $154,000 | $2,005,000 | $139,000 | $4,200,000 |
| Debt-To-Income Ratio | 89 | $9,255,000 | $103,000 | $405,000 | $89,000 | $960,000 |
| Credit History | 82 | $6,390,000 | $77,000 | $375,000 | $164,000 | $4,075,000 |
| Credit Application Incomplete | 43 | $4,075,000 | $94,000 | $365,000 | $336,000 | $4,244,000 |
| Collateral | 26 | $2,870,000 | $110,000 | $355,000 | $478,000 | $3,458,000 |
| Other | 4 | $650,000 | $162,000 | $305,000 | $110,000 | $196,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $740,000 | $185,000 | $295,000 | $63,000 | $102,000 |
| Unverifiable Information | 1 | $195,000 | $195,000 | $195,000 | $75,000 | $75,000 |
| Employment History | 1 | $55,000 | $55,000 | $55,000 | $38,000 | $38,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Commerce Credit Union's 2025 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess First Commerce Credit Union's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Florida, download the full spreadsheet
with aggregated HMDA statistics today.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About