We analyzed every closed loan from First Community Bank — 768 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
Acceptable
2/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA · USDA
Place
Strong
4/5
Multi-Region · 4 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
FHA
Superstar
VA
Superstar
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and USDA loans
Things to Think About
- Pricing may be below industry average
Explore another lender or local market
Report Card
First Community Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+28.0 bps above market avg
2/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
463 loans · 0.35% above market
Strong
Top 40% of lenders
4/5
FHA
218 loans · 0.28% above market
Strong
Top 40% of lenders
4/5
VA
53 loans · 0.35% below market
Strong
Top 40% of lenders
4/5
USDA
32 loans · 0.15% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
632 loans · 0.25% above market
Strong
Top 40% of lenders
4/5
Refinance
136 loans · 0.39% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 5 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 | 463 | 60.3% | +0.355%Above | $3,009Fees | ||||
FHA Loans | 218 | 28.4% | +0.280%Above | $2,908Fees | ||||
VA Loans | 53 | 6.9% | -0.347%Below | $2,377Fees | ||||
USDA Loans | — | 32 | 4.2% | +0.149%Above | $2,540Fees |
Conventional
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume463
Mix60.3%
Spread
+0.355%Above
Fees
$3,009Fees
FHA Loans
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume218
Mix28.4%
Spread
+0.280%Above
Fees
$2,908Fees
VA Loans
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume53
Mix6.9%
Spread
-0.347%Below
Fees
$2,377Fees
USDA Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughSound
Volume32
Mix4.2%
Spread
+0.149%Above
Fees
$2,540Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 632 | 82.3% | +0.252%Above | $2,921Fees | ||||
Refinance | 136 | 17.7% | +0.393%Above | $2,908Fees |
Purchase
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume632
Mix82.3%
Spread
+0.252%Above
Fees
$2,921Fees
Refinance
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume136
Mix17.7%
Spread
+0.393%Above
Fees
$2,908Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
768
Applications
1,110
Volume
$174 million
Pricing & Closing
Avg Rate Spread
+0.280%
vs. market APOR
Avg Net Fees
$2,919
Origination − Credits
Pullthrough Rate
69.2%
Applications → Closed
Typical Borrower
Avg Loan Amount
$226,680
Avg Borrower Income
$108,180
Avg Property Value
$293,307
Geographic Coverage
Geographic Performance
Metro Areas
4
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
< 100100+None
Midwest4
ILKSMNMO
South5
ARMSOKTNTX
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.