We analyzed every closed loan from First Commonwealth Bank — 1.2k loans across 2k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Strong
4/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · USDA
Place
Strong
4/5
Multi-Region · 11 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Superstar
FHA
Superstar
Purchase
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 FHA and USDA loans
Explore another lender or local market
Report Card
First Commonwealth Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
+28.6 bps above market avg
4/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
1,110 loans · 0.29% above market
Exceptional
Top 20% of lenders
5/5
FHA
90 loans · 0.40% above market
Strong
Top 40% of lenders
4/5
VA
23 loans · 0.61% below market
Sound
Top 60% of lenders
3/5
USDA
20 loans · 0.29% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
1,036 loans · 0.23% above market
Strong
Top 40% of lenders
4/5
Refinance
209 loans · 0.50% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 12 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 | 1,110 | 89.2% | +0.292%Above | $976Fees | ||||
FHA Loans | 90 | 7.2% | +0.399%Above | $960Fees | ||||
VA Loans | — | 23 | 1.8% | -0.607%Below | $1,135Fees | |||
USDA Loans | — | 20 | 1.6% | +0.293%Above | $883Fees |
Conventional
OverallStrong
ProductExceptional
PricingSound
Pull ThroughStrong
Volume1,110
Mix89.2%
Spread
+0.292%Above
Fees
$976Fees
FHA Loans
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume90
Mix7.2%
Spread
+0.399%Above
Fees
$960Fees
VA Loans
OverallStrong
ProductSound
Pricing—
Pull ThroughStrong
Volume23
Mix1.8%
Spread
-0.607%Below
Fees
$1,135Fees
USDA Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughStrong
Volume20
Mix1.6%
Spread
+0.293%Above
Fees
$883Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 1,036 | 83.2% | +0.232%Above | $1,107Fees | ||||
Refinance | 209 | 16.8% | +0.502%Above | $442Fees |
Purchase
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume1,036
Mix83.2%
Spread
+0.232%Above
Fees
$1,107Fees
Refinance
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume209
Mix16.8%
Spread
+0.502%Above
Fees
$442Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
1,245
Applications
1,668
Volume
$272 million
Pricing & Closing
Avg Rate Spread
+0.286%
vs. market APOR
Avg Net Fees
$976
Origination − Credits
Pullthrough Rate
74.6%
Applications → Closed
Typical Borrower
Avg Loan Amount
$219,177
Avg Borrower Income
$115,450
Avg Property Value
$299,980
Geographic Coverage
Geographic Performance
Metro Areas
11
markets with activity
States Served
9
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
9Full-year 2024 · HMDALoans originated
< 500500+None
Northeast1
PA
Midwest3
ILINOH
South5
FLKYNCSCWV
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.