Lender profile
First Commerce
Lender Live rate observations
First Commerce at a glance
First Commerce is a lender based in Florida. LoanMate.ai tracks 4 published loan products from First Commerce (6 rate listings), last verified 2026-10-17. Its lowest published rate today is 6.24% on Fixed home equity · 5yr. Its Fixed home equity · 5yr rate of 6.24% is 0.01 points below the national median of 6.25% (across 97 lenders publishing that product). First Commerce lends in Florida only.
HELOC (1)
| Product | Rate | APR | Points | Fees | Verified | Source |
|---|---|---|---|---|---|---|
| HELOC | — | 6.75 | — | — | 2026-10-17 | Lender source ↗ |
Home equity loan (5)
| Product | Rate | APR | Points | Fees | Verified | Source |
|---|---|---|---|---|---|---|
| FHEL-5yr | — | 6.24 | — | — | 2026-10-17 | Lender source ↗ |
| FHEL | — | 7.24 | — | — | 2026-10-17 | Lender source ↗ |
| FHEL | — | 7.74 | — | — | 2026-10-17 | Lender source ↗ |
| FHEL | — | 8.74 | — | — | 2026-10-17 | Lender source ↗ |
| FHEL-30yr | — | 9.74 | — | — | 2026-10-17 | Lender source ↗ |
How First Commerce compares
Compare all heloc rates · Compare all home equity loan rates · Best loan rates in Florida
Compare with: 1St Street, Achieva Credit Union, Addition Financial Credit Union, Adventhealth
Common questions
What is the lowest published rate at First Commerce?
As of October 17, 2026, the lowest rate LoanMate.ai tracks from First Commerce is 6.24% on its Fixed home equity · 5yr. That is a published, advertised figure — not a quote or an offer. Your actual rate depends on credit, collateral and underwriting, and is set by the lender.
Where does First Commerce lend?
First Commerce lends in Florida only. Availability can vary by product — confirm eligibility on the lender's website before applying.
How does First Commerce's Fixed home equity · 5yr rate compare nationally?
First Commerce publishes Fixed home equity · 5yr at 6.24%. The national median for that product is 6.25% across 97 lenders in LoanMate.ai's October 17, 2026 dataset, so First Commerce is 0.01 points below the national median.
How to use these figures
LoanMate.ai is an independent information publisher, not a lender, broker, or loan originator. Figures below are public lender observations last verified on the date shown and may have changed; confirm current pricing, terms, fees, eligibility, and license status directly with the lender. Rankings on LoanMate.ai are never influenced by compensation. See our methodology.