We analyzed every closed loan from First Community — 701 loans across 3k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Summary
What They Do Well
- Particularly strong in Conventional and Jumbo loans
Things to Think About
- Pull through efficiency is below industry average
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Report Card
First Community performance at a glance
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | — | 679 | 96.9% | -0.008%Below | $640Credit | |||
Jumbo Loans | — | 22 | 3.1% | — | — |
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | — | 525 | 74.9% | -0.008%Below | $640Credit | |||
Refinance | — | 176 | 25.1% | — | — |
At a Glance
Lender Overview
Geographic Coverage
Geographic Performance
States with Loan Originations
7Full-year 2024 · HMDA
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)
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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