First Continental Mortgage
We analyzed every closed loan from First Continental Mortgage — 765 loans across 820 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Exceptional
5/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA
Place
Strong
4/5
Multi-Region · 11 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
FHA
Champion
VA
Champion
Purchase
Champion
Summary
What They Do Well
- Offers rates 58.00 basis points below market average
- Lower than average lender fees
- Strong pull through performance
- Particularly strong in FHA and VA loans
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Report Card
First Continental Mortgage performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
Rates 58.0 bps below market avg
5/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
79 loans · 0.10% below market
Acceptable
Bottom 40% of lenders
2/5
FHA
457 loans · 0.52% below market
Strong
Top 40% of lenders
4/5
VA
228 loans · 0.96% below market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
762 loans · 0.58% below market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 11 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 | 79 | 10.3% | -0.097%Below | $717Fees | ||||
FHA Loans | 457 | 59.7% | -0.519%Below | $395Fees | ||||
VA Loans | 228 | 29.8% | -0.965%Below | $661Fees |
Conventional
OverallSound
ProductAcceptable
PricingExceptional
Pull ThroughSound
Volume79
Mix10.3%
Spread
-0.097%Below
Fees
$717Fees
FHA Loans
OverallExceptional
ProductStrong
PricingExceptional
Pull ThroughExceptional
Volume457
Mix59.7%
Spread
-0.519%Below
Fees
$395Fees
VA Loans
OverallExceptional
ProductStrong
PricingExceptional
Pull ThroughExceptional
Volume228
Mix29.8%
Spread
-0.965%Below
Fees
$661Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 762 | 99.6% | -0.582%Below | $468Fees |
Purchase
OverallExceptional
ProductStrong
PricingExceptional
Pull ThroughExceptional
Volume762
Mix99.6%
Spread
-0.582%Below
Fees
$468Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
765
Applications
820
Volume
$280 million
Pricing & Closing
Avg Rate Spread
-0.580%
vs. market APOR
Avg Net Fees
$488
Origination − Credits
Pullthrough Rate
93.3%
Applications → Closed
Typical Borrower
Avg Loan Amount
$366,922
Avg Borrower Income
$132,193
Avg Property Value
$392,046
Geographic Coverage
Geographic Performance
Metro Areas
11
markets with activity
States Served
8
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
8Full-year 2024 · HMDALoans originated
< 2020–100100+None
South6
ALFLGASCTNTX
West2
COWA
Top Metro Areas by Place Specialization Score
3© No machine-readable author provided. Billy Hathorn assumed (based on copyright claims). · CC BY-SA 3.0Fort Worth, TXMetro
Volume 117Mix 15.29% of portfolio
73/100
Strong
Showing 10 of 11 metro areas
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.