We analyzed every closed loan from First Bank — 613 loans across 763 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Acceptable
2/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA · Jumbo
Place
Strong
4/5
Multi-Region · 7 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
VA
Superstar
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and Jumbo loans
Things to Think About
- Pricing may be below industry average
Explore another lender or local market
Report Card
First Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+23.7 bps above market avg
2/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
460 loans · 0.27% above market
Strong
Top 40% of lenders
4/5
FHA
87 loans · 0.38% above market
Strong
Top 40% of lenders
4/5
VA
53 loans · 0.29% below market
Strong
Top 40% of lenders
4/5
Jumbo
12 loans · 0.27% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
484 loans · 0.26% above market
Strong
Top 40% of lenders
4/5
Refinance
129 loans · 0.18% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 8 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 | 460 | 75.0% | +0.266%Above | $3,568Fees | ||||
FHA Loans | 87 | 14.2% | +0.378%Above | $4,036Fees | ||||
VA Loans | 53 | 8.6% | -0.293%Below | $2,925Fees | ||||
Jumbo Loans | — | — | 12 | 2.0% | +0.267%Above | $3,701Fees |
Conventional
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume460
Mix75.0%
Spread
+0.266%Above
Fees
$3,568Fees
FHA Loans
OverallSound
ProductStrong
PricingSound
Pull ThroughStrong
Volume87
Mix14.2%
Spread
+0.378%Above
Fees
$4,036Fees
VA Loans
OverallStrong
ProductStrong
PricingSound
Pull ThroughExceptional
Volume53
Mix8.6%
Spread
-0.293%Below
Fees
$2,925Fees
Jumbo Loans
OverallStrong
ProductStrong
Pricing—
Pull Through—
Volume12
Mix2.0%
Spread
+0.267%Above
Fees
$3,701Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 484 | 79.0% | +0.255%Above | $3,733Fees | ||||
Refinance | 129 | 21.0% | +0.180%Above | $3,103Fees |
Purchase
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume484
Mix79.0%
Spread
+0.255%Above
Fees
$3,733Fees
Refinance
OverallSound
ProductStrong
PricingMediocre
Pull ThroughExceptional
Volume129
Mix21.0%
Spread
+0.180%Above
Fees
$3,103Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
613
Applications
763
Volume
$262 million
Pricing & Closing
Avg Rate Spread
+0.237%
vs. market APOR
Avg Net Fees
$3,578
Origination − Credits
Pullthrough Rate
80.3%
Applications → Closed
Typical Borrower
Avg Loan Amount
$428,295
Avg Borrower Income
$190,569
Avg Property Value
$611,003
Geographic Coverage
Geographic Performance
Metro Areas
7
markets with activity
States Served
13
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
13Full-year 2024 · HMDALoans originated
< 500500+None
Midwest3
ILINMO
South6
ARFLNCOKSCTX
West4
AZCACOWA
Top Metro Areas by Place Specialization Score
3© No machine-readable author provided. Billy Hathorn assumed (based on copyright claims). · CC BY-SA 3.0Fort Worth, TXMetro
Volume 111Mix 18.11% of portfolio
73/100
Strong
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.