First Savings Mortgage Corporation
We analyzed every closed loan from First Savings Mortgage Corporation — 1.9k loans across 2k 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
Exceptional
5/5
FHA · Conventional · VA · Jumbo
Place
Strong
4/5
Multi-Region · 6 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Superstar
Purchase
Superstar
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and Jumbo loans
Things to Think About
- Pricing may be below industry average
Explore another lender or local market
Report Card
First Savings Mortgage Corporation performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+21.9 bps above market avg
2/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
1,459 loans · 0.18% above market
Strong
Top 40% of lenders
4/5
FHA
102 loans · 1.08% above market
Strong
Top 40% of lenders
4/5
VA
186 loans · 0.29% below market
Strong
Top 40% of lenders
4/5
Jumbo
105 loans · 0.69% above market
Exceptional
Top 20% of lenders
5/5
By Loan Purpose· Transaction purpose mix
Purchase
1,643 loans · 0.22% above market
Strong
Top 40% of lenders
4/5
Refinance
209 loans · 0.23% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Multi-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 | 1,459 | 78.8% | +0.183%Above | $2,887Fees | ||||
FHA Loans | — | 102 | 5.5% | +1.080%Above | $2,374Fees | |||
VA Loans | — | 186 | 10.0% | -0.295%Below | $5,885Fees | |||
Jumbo Loans | 105 | 5.7% | +0.690%Above | $1,361Fees |
Conventional
OverallStrong
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume1,459
Mix78.8%
Spread
+0.183%Above
Fees
$2,887Fees
FHA Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughStrong
Volume102
Mix5.5%
Spread
+1.080%Above
Fees
$2,374Fees
VA Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughExceptional
Volume186
Mix10.0%
Spread
-0.295%Below
Fees
$5,885Fees
Jumbo Loans
OverallSound
ProductExceptional
PricingMediocre
Pull ThroughStrong
Volume105
Mix5.7%
Spread
+0.690%Above
Fees
$1,361Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 1,643 | 88.7% | +0.217%Above | $2,872Fees | ||||
Refinance | 209 | 11.3% | +0.233%Above | $2,325Fees |
Purchase
OverallStrong
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume1,643
Mix88.7%
Spread
+0.217%Above
Fees
$2,872Fees
Refinance
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume209
Mix11.3%
Spread
+0.233%Above
Fees
$2,325Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
1,852
Applications
2,235
Volume
$1 billion
Pricing & Closing
Avg Rate Spread
+0.219%
vs. market APOR
Avg Net Fees
$2,803
Origination − Credits
Pullthrough Rate
82.9%
Applications → Closed
Typical Borrower
Avg Loan Amount
$601,717
Avg Borrower Income
$239,242
Avg Property Value
$827,370
Geographic Coverage
Geographic Performance
Metro Areas
6
markets with activity
States Served
7
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
7Full-year 2024 · HMDALoans originated
< 1010–2020–500500+None
South7
DCDEFLMDNCSCVA
Top Metro Areas by Place Specialization Score
Top States by Place Specialization Score
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.