FBC Mortgage
We analyzed every closed loan from FBC Mortgage — 6.2k loans across 8k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Strong
4/5
vs. all lenders
Pull-through
Exceptional
5/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · Jumbo · USDA
Place
Strong
4/5
Near-National · 49 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
FHA
Champion
VA
Champion
Jumbo
Superstar
Purchase
Superstar
Summary
What They Do Well
- Offers rates 4.20 basis points below market average
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and Jumbo and USDA loans
- Nationwide availability with consistent service
Explore another lender or local market
Report Card
FBC Mortgage performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
Rates 4.2 bps below market avg
4/5
Pull Through
Closing strength
Exceptional
Top 20% of lenders
5/5
By Loan Product· Specialization by type
Conventional
2,430 loans · 0.26% above market
Strong
Top 40% of lenders
4/5
FHA
2,571 loans · 0.17% below market
Exceptional
Top 20% of lenders
5/5
VA
1,033 loans · 0.88% below market
Exceptional
Top 20% of lenders
5/5
Jumbo
93 loans · 0.03% below market
Strong
Top 40% of lenders
4/5
USDA
52 loans · 0.81% below market
Exceptional
Top 20% of lenders
5/5
By Loan Purpose· Transaction purpose mix
Purchase
5,993 loans · 0.05% below market
Exceptional
Top 20% of lenders
5/5
Refinance
186 loans · 0.14% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Near-National · 50 markets
Strong
Top 40% of lenders
4/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 2,430 | 39.3% | +0.264%Above | $2,704Fees | ||||
FHA Loans | 2,571 | 41.6% | -0.172%Below | $2,401Fees | ||||
VA Loans | 1,033 | 16.7% | -0.882%Below | $1,101Fees | ||||
Jumbo Loans | 93 | 1.5% | -0.028%Below | $855Fees | ||||
USDA Loans | — | 52 | 0.8% | -0.812%Below | $1,627Fees |
Conventional
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughSound
Volume2,430
Mix39.3%
Spread
+0.264%Above
Fees
$2,704Fees
FHA Loans
OverallExceptional
ProductExceptional
PricingStrong
Pull ThroughExceptional
Volume2,571
Mix41.6%
Spread
-0.172%Below
Fees
$2,401Fees
VA Loans
OverallExceptional
ProductExceptional
PricingExceptional
Pull ThroughExceptional
Volume1,033
Mix16.7%
Spread
-0.882%Below
Fees
$1,101Fees
Jumbo Loans
OverallStrong
ProductStrong
PricingSound
Pull ThroughSound
Volume93
Mix1.5%
Spread
-0.028%Below
Fees
$855Fees
USDA Loans
OverallStrong
ProductExceptional
Pricing—
Pull ThroughStrong
Volume52
Mix0.8%
Spread
-0.812%Below
Fees
$1,627Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 5,993 | 97.0% | -0.051%Below | $2,391Fees | ||||
Refinance | 186 | 3.0% | +0.135%Above | $1,903Fees |
Purchase
OverallStrong
ProductExceptional
PricingStrong
Pull ThroughStrong
Volume5,993
Mix97.0%
Spread
-0.051%Below
Fees
$2,391Fees
Refinance
OverallSound
ProductStrong
PricingSound
Pull ThroughSound
Volume186
Mix3.0%
Spread
+0.135%Above
Fees
$1,903Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
6,179
Applications
8,275
Volume
$2 billion
Pricing & Closing
Avg Rate Spread
-0.042%
vs. market APOR
Avg Net Fees
$2,367
Origination − Credits
Pullthrough Rate
74.7%
Applications → Closed
Typical Borrower
Avg Loan Amount
$372,885
Avg Borrower Income
$137,469
Avg Property Value
$446,248
Geographic Coverage
Geographic Performance
Metro Areas
49
markets with activity
States Served
36
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
36Full-year 2024 · HMDALoans originated
< 2020–5050–200200+None
Northeast7
CTMEMANHNJPAVT
Midwest6
ILINMIMNMOOH
South13
ALARFLGAKYMDMSNCOKSCTNTXVA
West10
AZCACOIDMTNMNVORUTWA
Top Metro Areas by Place Specialization Score
Showing 10 of 49 metro areas
Top States by Place Specialization Score
Showing 10 of 19 states
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.