What loan types does First Central Savings Bank offer?

First Central Savings Bank offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing score and performance metrics.

Where does First Central Savings Bank offer mortgages?

First Central Savings Bank offers mortgages in 17 states: CO, DE, FL, GA, IN, MA, MN, MS, ND, NH, NJ, NY, OH, PA, TN, TX, VA.

How competitive are First Central Savings Bank's mortgage rates?

First Central Savings Bank has an overall pricing score of 1.2/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is First Central Savings Bank?

First Central Savings Bank is a Bank headquartered in Glen Cove, NY.

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First Central Savings Bank

Bank•Glen Cove, NYHQ•Direct•Reviews near you on Google

First Central Savings Bank has 252 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Mediocre

1/5

vs. all lenders

Pull-through

Strong

4/5

closing strength

Product

Sound

3/5

Conventional · Jumbo

Place

Strong

4/5

Multi-Region · 2 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Summary

What They Do Well

Strong pull through performance

Things to Think About

Rates typically 145 basis points above market average
Higher than average fees ($5,448)

Explore another lender or local market

Report Card

First Central Savings Bank performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Mediocre

+145.3 bps above market avg

1/5

Pull Through

Closing strength

Strong

Top 40% of lenders

4/5

By Loan Product· Specialization by type

Conventional

240 loans · 1.45% above market

Sound

Top 60% of lenders

3/5

Jumbo

12 loans · 1.62% above market

Sound

Top 60% of lenders

3/5

By Loan Purpose· Transaction purpose mix

Purchase

242 loans · 1.45% above market

Sound

Top 60% of lenders

3/5

Refinance

10 loans · 1.58% above market

Mediocre

Bottom 20% of lenders

1/5

By Location· Geographic coverage

Geographic Reach

Multi-Regional · 2 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	Acceptable	Sound	Mediocre	Sound	240	95.2%	+1.448%Above	$5,388Fees
Jumbo Loans	Sound	Sound	—	—	12	4.8%	+1.619%Above	$7,275Fees

Conventional

Overall

Acceptable

Product

Sound

Pricing

Mediocre

Pull Through

Sound

Volume240

Mix95.2%

Spread

+1.448%Above

Fees

$5,388Fees

Jumbo Loans

Overall

Sound

Product

Sound

Pricing—

Pull Through—

Volume12

Mix4.8%

Spread

+1.619%Above

Fees

$7,275Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Acceptable	Sound	Mediocre	Sound	242	96.0%	+1.448%Above	$5,414Fees
Refinance	Mediocre	Mediocre	—	—	10	4.0%	+1.576%Above	$6,220Fees

Purchase

Overall

Acceptable

Product

Sound

Pricing

Mediocre

Pull Through

Sound

Volume242

Mix96.0%

Spread

+1.448%Above

Fees

$5,414Fees

Refinance

Overall

Mediocre

Product

Mediocre

Pricing—

Pull Through—

Volume10

Mix4.0%

Spread

+1.576%Above

Fees

$6,220Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

252

Applications

276

Volume

$147 million

Pricing & Closing

Avg Rate Spread

+1.453%

vs. market APOR

Avg Net Fees

$5,448

Origination − Credits

Pullthrough Rate

91.3%

Applications → Closed

Typical Borrower

Avg Loan Amount

$583,651

Avg Borrower Income

$206,060

Avg Property Value

$894,405

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

17Full-year 2024 · HMDA

Loans originated

< 200200+None

Northeast5

MANHNJNYPA

Midwest4

INMNNDOH

South7

DEFLGAMSTNTXVA

West1

Top Metro Areas by Place Specialization Score

New York, NY-NJMetro

Volume 192Mix 76.19% of portfolio

78/100

Strong

Nassau County, NYMetro

Volume 26Mix 10.32% of portfolio

55/100

Sound

Top States by Place Specialization Score

New YorkState

Volume 218Mix 86.51% of portfolio

75/100

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.