Applications / Mortgage Analytics / Lenders / California / First Commercial Bank (USA)
Alhambra, CA · State non-member bank · FDIC · $836 million assets · 57 loans in 2025
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57
loans originated, 2025
74
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First Commercial Bank (USA), a California bank, makes big loans, most of them in majority-minority neighborhoods, and it buys loans too, which the typical similar lender does not.
Its typical loan was $665,000, larger than at more than nine in ten similar lenders (state non-member banks making between half and twice as many loans), whose typical loan was $167,500. Refinances made up 59.6% of its 57 loans. All its lending is in California.
Majority-minority neighborhoods took 84.2% of its loans, against 6.5% at peers, more than at almost all of them. Low- and moderate-income (LMI) borrowers took 9.1%, less than at about nine in ten peers. Its large loans may explain that, since big loans tend to go to borrowers with higher incomes.
It bought 12 loans in 2025, where the typical similar lender bought none. Its own loans rose 2%, against 7% at peers and 10% for the whole market. It filed no report for 2018 or for 2020 to 2022; those are gaps in the record, not years without lending.
In Los Angeles-Long Beach-Anaheim, where its record goes back to 1998, it ranked 223rd of 757 lenders; in San Francisco-Oakland-Fremont, 326th of 606. In 2025 it made its first loans in Sacramento-Roseville-Folsom.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2019–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. First Commercial Bank (USA) took 74 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 59.6% · Purchase 40.4%
Conventional 100.0% · of 57 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| California | 57 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Los Angeles-Long Beach-Glendale | 22 |
| Anaheim-Santa Ana-Irvine | 13 |
| Oakland-Fremont-Berkeley | 7 |
| Riverside-San Bernardino-Ontario | 5 |
| San Diego-Chula Vista-Carlsbad | 3 |
| San Francisco-San Mateo-Redwood City | 3 |
| San Jose-Sunnyvale-Santa Clara | 3 |
| Sacramento-Roseville-Folsom | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493008H68QG2A0MK376 | 2019–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 2332910 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 334496 | 1998–2013 |
Established 20 May 1997. Reported under HMDA 1998-2025.
Mergers, name changes, data editions and corrections: First Commercial Bank (USA)'s data.
First Commercial Bank (USA)'s data
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