What loan types does First Community offer?

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

Where does First Community offer mortgages?

First Community offers mortgages in 4 states: AZ, ID, OR, WA.

What type of lender is First Community?

First Community is a Credit Union headquartered in Coquille, OR.

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First Community

Credit Union•Coquille, ORHQ•Direct•Reviews near you on Google

First Community has 367 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

Pull-through

Sound

3/5

closing strength

Product

Strong

4/5

Conventional · Jumbo

Place

Strong

4/5

Regional · 6 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Summary

What They Do Well

Particularly strong in Conventional and Jumbo loans

Explore another lender or local market

Report Card

First Community performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

No peer data

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

346 loans · 1.34% below market

Strong

Top 40% of lenders

4/5

Jumbo

21 loans

Strong

Top 40% of lenders

4/5

By Loan Purpose· Transaction purpose mix

Purchase

225 loans · 1.12% below market

Sound

Top 60% of lenders

3/5

Refinance

142 loans · 1.45% below market

Strong

Top 40% of lenders

4/5

By Location· Geographic coverage

Geographic Reach

Regional · 7 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	Strong	—	Sound	346	94.3%	-1.342%Below	$2,430Fees
Jumbo Loans	Strong	Strong	—	Sound	21	5.7%	—	—

Conventional

Overall

Sound

Product

Strong

Pricing—

Pull Through

Sound

Volume346

Mix94.3%

Spread

-1.342%Below

Fees

$2,430Fees

Jumbo Loans

Overall

Strong

Product

Strong

Pricing—

Pull Through

Sound

Volume21

Mix5.7%

Spread—

Fees—

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Sound	—	Acceptable	225	61.3%	-1.120%Below	$3,000Fees
Refinance	Strong	Strong	—	Strong	142	38.7%	-1.454%Below	$2,145Fees

Purchase

Overall

Sound

Product

Sound

Pricing—

Pull Through

Acceptable

Volume225

Mix61.3%

Spread

-1.120%Below

Fees

$3,000Fees

Refinance

Overall

Strong

Product

Strong

Pricing—

Pull Through

Strong

Volume142

Mix38.7%

Spread

-1.454%Below

Fees

$2,145Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

367

Applications

805

Volume

$153 million

Pricing & Closing

Pullthrough Rate

45.6%

Applications → Closed

Typical Borrower

Avg Loan Amount

$418,106

Avg Borrower Income

$196,104

Avg Property Value

$588,787

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

4Full-year 2024 · HMDA

Loans originated

< 1010+None

West4

AZIDORWA

Top Metro Areas by Place Specialization Score

1© Ian Poellet · CC BY-SA 3.0

Bend, ORMetro

Volume 42Mix 11.44% of portfolio

76/100

Strong

Grants Pass, ORMetro

Volume 29Mix 7.90% of portfolio

71/100

Strong

Medford, ORMetro

Volume 46Mix 12.53% of portfolio

71/100

Strong

Portland, OR-WAMetro

Volume 75Mix 20.44% of portfolio

67/100

Strong

Eugene, ORMetro

Volume 21Mix 5.72% of portfolio

56/100

Sound

Salem, ORMetro

Volume 15Mix 4.09% of portfolio

51/100

Sound

Top States by Place Specialization Score

OregonState

Volume 348Mix 94.82% of portfolio

85/100

Exceptional

WashingtonState

Volume 11Mix 3.00% of portfolio

41/100

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.