What loan types does First Commercial Bank (USA) offer?

First Commercial Bank (USA) offers the following mortgage loan types: Conventional. Each product has its own pricing score and performance metrics.

Where does First Commercial Bank (USA) offer mortgages?

First Commercial Bank (USA) offers mortgages in 1 states: CA.

How competitive are First Commercial Bank (USA)'s mortgage rates?

First Commercial Bank (USA) has an overall pricing score of 18.3/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is First Commercial Bank (USA)?

First Commercial Bank (USA) is a Bank headquartered in Alhambra, CA.

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First Commercial Bank (USA)

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First Commercial Bank (USA) has 49 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

Sound

3/5

closing strength

Product

Acceptable

2/5

Conventional

Place

Sound

3/5

Single State · 2 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Summary

Things to Think About

Pricing may be below industry average

Explore another lender or local market

Report Card

First Commercial Bank (USA) performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Mediocre

Rates 11.9 bps below market avg

1/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

47 loans · 0.11% below market

Acceptable

Bottom 40% of lenders

2/5

By Loan Purpose· Transaction purpose mix

Purchase

35 loans · 0.10% below market

Acceptable

Bottom 40% of lenders

2/5

Refinance

14 loans · 0.16% below market

Acceptable

Bottom 40% of lenders

2/5

By Location· Geographic coverage

Geographic Reach

Single State · 2 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	Acceptable	Acceptable	Mediocre	Sound	47	95.9%	-0.107%Below	$2,341Fees

Conventional

Overall

Acceptable

Product

Acceptable

Pricing

Mediocre

Pull Through

Sound

Volume47

Mix95.9%

Spread

-0.107%Below

Fees

$2,341Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Acceptable	Acceptable	Mediocre	Sound	35	71.4%	-0.104%Below	$2,585Fees
Refinance	Acceptable	Acceptable	—	Acceptable	14	28.6%	-0.163%Below	$2,034Fees

Purchase

Overall

Acceptable

Product

Acceptable

Pricing

Mediocre

Pull Through

Sound

Volume35

Mix71.4%

Spread

-0.104%Below

Fees

$2,585Fees

Refinance

Overall

Acceptable

Product

Acceptable

Pricing—

Pull Through

Acceptable

Volume14

Mix28.6%

Spread

-0.163%Below

Fees

$2,034Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

Applications

Volume

$25 million

Pricing & Closing

Avg Rate Spread

-0.119%

vs. market APOR

Avg Net Fees

$2,445

Origination − Credits

Pullthrough Rate

76.6%

Applications → Closed

Typical Borrower

Avg Loan Amount

$528,061

Avg Borrower Income

$180,143

Avg Property Value

$1,007,653

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

1Full-year 2024 · HMDA

Loans originated

All statesNone

West1

Top Metro Areas by Place Specialization Score

Riverside, CAMetro

Volume 18Mix 36.73% of portfolio

54/100

Sound

Los Angeles, CAMetro

Volume 18Mix 36.73% of portfolio

54/100

Sound

Top States by Place Specialization Score

CaliforniaState

Volume 49Mix 100.00% of portfolio

59/100

Sound

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.