1ST Financial
1ST Financial has 307 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Mediocre
1/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA
Place
Sound
3/5
Multi-Region · 6 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Summary
Things to Think About
- Rates typically 95 basis points above market average
- Higher than average fees ($5,514)
Explore another lender or local market
Report Card
1ST Financial performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Mediocre
+94.6 bps above market avg
1/5
Pull Through
Closing strength
Sound
Top 60% of lenders
3/5
By Loan Product· Specialization by type
Conventional
166 loans · 0.95% above market
Sound
Top 60% of lenders
3/5
FHA
126 loans · 1.04% above market
Strong
Top 40% of lenders
4/5
VA
11 loans · 0.19% above market
Acceptable
Bottom 40% of lenders
2/5
By Loan Purpose· Transaction purpose mix
Purchase
279 loans · 0.95% above market
Sound
Top 60% of lenders
3/5
Refinance
28 loans · 0.90% above market
Acceptable
Bottom 40% of lenders
2/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 6 markets
Sound
Top 60% of lenders
3/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 166 | 54.1% | +0.948%Above | $5,300Fees | ||||
FHA Loans | 126 | 41.0% | +1.043%Above | $5,533Fees | ||||
VA Loans | — | — | 11 | 3.6% | +0.188%Above | $7,074Fees |
Conventional
OverallAcceptable
ProductSound
PricingMediocre
Pull ThroughAcceptable
Volume166
Mix54.1%
Spread
+0.948%Above
Fees
$5,300Fees
FHA Loans
OverallSound
ProductStrong
PricingMediocre
Pull ThroughSound
Volume126
Mix41.0%
Spread
+1.043%Above
Fees
$5,533Fees
VA Loans
OverallAcceptable
ProductAcceptable
Pricing—
Pull Through—
Volume11
Mix3.6%
Spread
+0.188%Above
Fees
$7,074Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 279 | 90.9% | +0.949%Above | $5,535Fees | ||||
Refinance | — | 28 | 9.1% | +0.902%Above | $5,247Fees |
Purchase
OverallAcceptable
ProductSound
PricingMediocre
Pull ThroughAcceptable
Volume279
Mix90.9%
Spread
+0.949%Above
Fees
$5,535Fees
Refinance
OverallAcceptable
ProductAcceptable
Pricing—
Pull ThroughAcceptable
Volume28
Mix9.1%
Spread
+0.902%Above
Fees
$5,247Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
307
Applications
600
Volume
$136 million
Pricing & Closing
Avg Rate Spread
+0.946%
vs. market APOR
Avg Net Fees
$5,514
Origination − Credits
Pullthrough Rate
51.2%
Applications → Closed
Typical Borrower
Avg Loan Amount
$443,013
Avg Borrower Income
$151,873
Avg Property Value
$512,883
Geographic Coverage
Geographic Performance
Metro Areas
6
markets with activity
States Served
6
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
6Full-year 2024 · HMDALoans originated
< 5050+None
Northeast1
PA
South5
DCFLMDTXVA
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.