We analyzed every closed loan from First Bank — 636 loans across 793 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Exceptional
5/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA · Jumbo
Place
Sound
3/5
Regional · 12 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
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 Jumbo loans
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Report Card
First Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
+5.9 bps above market avg
5/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
579 loans · 0.09% above market
Strong
Top 40% of lenders
4/5
FHA
16 loans · 0.07% above market
Sound
Top 60% of lenders
3/5
VA
12 loans · 0.67% below market
Sound
Top 60% of lenders
3/5
Jumbo
22 loans · 0.52% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
573 loans · 0.06% above market
Strong
Top 40% of lenders
4/5
Refinance
63 loans · 0.07% above market
Sound
Top 60% of lenders
3/5
By Location· Geographic coverage
Geographic Reach
Regional · 13 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 | 579 | 91.0% | +0.092%Above | $1,251Fees | ||||
FHA Loans | — | 16 | 2.5% | +0.071%Above | $1,507Fees | |||
VA Loans | — | — | 12 | 1.9% | -0.674%Below | $697Fees | ||
Jumbo Loans | — | 22 | 3.5% | +0.515%Above | $137Credit |
Conventional
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughStrong
Volume579
Mix91.0%
Spread
+0.092%Above
Fees
$1,251Fees
FHA Loans
OverallSound
ProductSound
Pricing—
Pull ThroughSound
Volume16
Mix2.5%
Spread
+0.071%Above
Fees
$1,507Fees
VA Loans
OverallSound
ProductSound
Pricing—
Pull Through—
Volume12
Mix1.9%
Spread
-0.674%Below
Fees
$697Fees
Jumbo Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughSound
Volume22
Mix3.5%
Spread
+0.515%Above
Fees
$137Credit
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 573 | 90.1% | +0.056%Above | $1,196Fees | ||||
Refinance | 63 | 9.9% | +0.068%Above | $1,255Fees |
Purchase
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughStrong
Volume573
Mix90.1%
Spread
+0.056%Above
Fees
$1,196Fees
Refinance
OverallStrong
ProductSound
PricingExceptional
Pull ThroughStrong
Volume63
Mix9.9%
Spread
+0.068%Above
Fees
$1,255Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
636
Applications
793
Volume
$217 million
Pricing & Closing
Avg Rate Spread
+0.059%
vs. market APOR
Avg Net Fees
$1,210
Origination − Credits
Pullthrough Rate
80.2%
Applications → Closed
Typical Borrower
Avg Loan Amount
$341,635
Avg Borrower Income
$138,876
Avg Property Value
$527,358
Geographic Coverage
Geographic Performance
Metro Areas
12
markets with activity
States Served
3
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
3Full-year 2024 · HMDALoans originated
< 5050+None
South3
NCSCVA
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.