What loan types does First Community Credit Union offer?

First Community Credit Union offers the following mortgage loan types: Conventional. Each product has its own pricing score and performance metrics.

Where does First Community Credit Union offer mortgages?

First Community Credit Union offers mortgages in 1 states: TX.

How competitive are First Community Credit Union's mortgage rates?

First Community Credit Union has an overall pricing score of 60/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is First Community Credit Union?

First Community Credit Union is a Credit Union headquartered in Houston, TX.

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First Community Credit Union

Credit Union•Houston, TXHQ•Direct•Reviews near you on Google

First Community Credit Union has 231 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

Strong

4/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Sound

3/5

Conventional

Place

Strong

4/5

Single State · 2 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Summary

What They Do Well

Offers rates 18.40 basis points below market average

Explore another lender or local market

Report Card

First Community Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Strong

Rates 18.4 bps below market avg

4/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

230 loans · 0.18% below market

Sound

Top 60% of lenders

3/5

By Loan Purpose· Transaction purpose mix

Purchase

181 loans · 0.36% below market

Sound

Top 60% of lenders

3/5

Refinance

50 loans · 0.48% above market

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

Single State · 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	Sound	Sound	Sound	Acceptable	230	99.6%	-0.184%Below	$3,392Fees

Conventional

Overall

Sound

Product

Sound

Pricing

Sound

Pull Through

Acceptable

Volume230

Mix99.6%

Spread

-0.184%Below

Fees

$3,392Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Sound	Strong	Acceptable	181	78.4%	-0.361%Below	$3,799Fees
Refinance	Sound	Sound	Sound	Acceptable	50	21.6%	+0.483%Above	$1,901Fees

Purchase

Overall

Sound

Product

Sound

Pricing

Strong

Pull Through

Acceptable

Volume181

Mix78.4%

Spread

-0.361%Below

Fees

$3,799Fees

Refinance

Overall

Sound

Product

Sound

Pricing

Sound

Pull Through

Acceptable

Volume50

Mix21.6%

Spread

+0.483%Above

Fees

$1,901Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

231

Applications

369

Volume

$80 million

Pricing & Closing

Avg Rate Spread

-0.184%

vs. market APOR

Avg Net Fees

$3,401

Origination − Credits

Pullthrough Rate

62.6%

Applications → Closed

Typical Borrower

Avg Loan Amount

$347,165

Avg Borrower Income

$166,835

Avg Property Value

$464,307

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

1Full-year 2024 · HMDA

Loans originated

< 200200+None

South1

Top Metro Areas by Place Specialization Score

Houston, TXMetro

Volume 202Mix 87.45% of portfolio

77/100

Strong

Dallas, TXMetro

Volume 14Mix 6.06% of portfolio

45/100

Sound

Top States by Place Specialization Score

TexasState

Volume 231Mix 100.00% of portfolio

72/100

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.