We analyzed every closed loan from First Bank & Trust — 698 loans across 1k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Sound
3/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA · USDA
Place
Strong
4/5
Multi-Region · 2 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
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and USDA loans
Explore another lender or local market
Report Card
First Bank & Trust performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
Rates 12.9 bps below market avg
3/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
522 loans · 0.11% below market
Strong
Top 40% of lenders
4/5
FHA
113 loans · 0.01% above market
Strong
Top 40% of lenders
4/5
VA
38 loans · 0.66% below market
Strong
Top 40% of lenders
4/5
USDA
21 loans · 0.40% below market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
636 loans · 0.13% below market
Strong
Top 40% of lenders
4/5
Refinance
62 loans · 0.17% below market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 3 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 | 522 | 74.8% | -0.112%Below | $3,023Fees | ||||
FHA Loans | 113 | 16.2% | +0.012%Above | $2,078Fees | ||||
VA Loans | 38 | 5.4% | -0.659%Below | $2,618Fees | ||||
USDA Loans | — | 21 | 3.0% | -0.403%Below | $895Fees |
Conventional
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume522
Mix74.8%
Spread
-0.112%Below
Fees
$3,023Fees
FHA Loans
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughStrong
Volume113
Mix16.2%
Spread
+0.012%Above
Fees
$2,078Fees
VA Loans
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume38
Mix5.4%
Spread
-0.659%Below
Fees
$2,618Fees
USDA Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughStrong
Volume21
Mix3.0%
Spread
-0.403%Below
Fees
$895Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 636 | 91.1% | -0.125%Below | $2,841Fees | ||||
Refinance | 62 | 8.9% | -0.166%Below | $2,596Fees |
Purchase
OverallStrong
ProductStrong
PricingSound
Pull ThroughSound
Volume636
Mix91.1%
Spread
-0.125%Below
Fees
$2,841Fees
Refinance
OverallSound
ProductStrong
PricingSound
Pull ThroughStrong
Volume62
Mix8.9%
Spread
-0.166%Below
Fees
$2,596Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
698
Applications
1,051
Volume
$203 million
Pricing & Closing
Avg Rate Spread
-0.129%
vs. market APOR
Avg Net Fees
$2,818
Origination − Credits
Pullthrough Rate
66.4%
Applications → Closed
Typical Borrower
Avg Loan Amount
$291,218
Avg Borrower Income
$139,278
Avg Property Value
$391,562
Geographic Coverage
Geographic Performance
Metro Areas
2
markets with activity
States Served
16
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
16Full-year 2024 · HMDALoans originated
< 100100+None
Midwest9
IAILMIMNMONDNESDWI
South2
FLOK
West5
AZCACOMTWY
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 & Trust?
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.