We analyzed every closed loan from First Bank — 1.2k loans across 2k 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
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA · Jumbo
Place
Sound
3/5
Near-National · 10 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Superstar
FHA
Superstar
VA
Superstar
Purchase
Superstar
Refinance
Superstar
Summary
What They Do Well
- Competitive pricing compared to the market
- Lower than average lender fees
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and Jumbo loans
- Nationwide availability with consistent service
Explore another lender or local market
Report Card
First Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
+14.0 bps above market avg
4/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
1,018 loans · 0.13% above market
Strong
Top 40% of lenders
4/5
FHA
119 loans · 0.41% above market
Strong
Top 40% of lenders
4/5
VA
59 loans · 0.22% below market
Strong
Top 40% of lenders
4/5
Jumbo
39 loans · 0.21% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
1,073 loans · 0.13% above market
Strong
Top 40% of lenders
4/5
Refinance
165 loans · 0.18% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Near-National · 11 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 | 1,018 | 82.2% | +0.125%Above | $1,462Fees | ||||
FHA Loans | 119 | 9.6% | +0.413%Above | $1,916Fees | ||||
VA Loans | 59 | 4.8% | -0.221%Below | $819Fees | ||||
Jumbo Loans | 39 | 3.2% | +0.211%Above | $1,277Fees |
Conventional
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume1,018
Mix82.2%
Spread
+0.125%Above
Fees
$1,462Fees
FHA Loans
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume119
Mix9.6%
Spread
+0.413%Above
Fees
$1,916Fees
VA Loans
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume59
Mix4.8%
Spread
-0.221%Below
Fees
$819Fees
Jumbo Loans
OverallSound
ProductStrong
PricingMediocre
Pull ThroughStrong
Volume39
Mix3.2%
Spread
+0.211%Above
Fees
$1,277Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 1,073 | 86.7% | +0.133%Above | $1,472Fees | ||||
Refinance | 165 | 13.3% | +0.182%Above | $1,469Fees |
Purchase
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume1,073
Mix86.7%
Spread
+0.133%Above
Fees
$1,472Fees
Refinance
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume165
Mix13.3%
Spread
+0.182%Above
Fees
$1,469Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
1,238
Applications
1,568
Volume
$445 million
Pricing & Closing
Avg Rate Spread
+0.140%
vs. market APOR
Avg Net Fees
$1,471
Origination − Credits
Pullthrough Rate
79.0%
Applications → Closed
Typical Borrower
Avg Loan Amount
$359,580
Avg Borrower Income
$159,739
Avg Property Value
$492,811
Geographic Coverage
Geographic Performance
Metro Areas
10
markets with activity
States Served
29
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
29Full-year 2024 · HMDALoans originated
< 2020–100100–200200+None
Northeast2
MAPA
Midwest10
IAILINKSMIMNMONEOHWI
South11
ALARFLGANCOKSCTNTXVAWV
West6
AZCACONVORWA
Top Metro Areas by Place Specialization Score
Top States by Place Specialization Score
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.
Looking for a different lender?
Are you the owner of First Bank?
Claim this profile to add your business logo, highlight verified loan officers, collect verified reviews, and customize your marketing presence.
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.