What loan types does First Standard Financial offer?

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

Where does First Standard Financial offer mortgages?

First Standard Financial offers mortgages in 5 states: AZ, CA, NJ, TX, WA.

How competitive are First Standard Financial's mortgage rates?

First Standard Financial has an overall pricing score of 17.1/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is First Standard Financial?

First Standard Financial is a Independent Mortgage Company headquartered in LOS ANGELES, CA.

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First Standard Financial

Independent Mortgage Company•Los Angeles, CAHQ•Direct•Reviews near you on Google

We analyzed every closed loan from First Standard Financial — 424 loans across 424 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Mediocre

1/5

vs. all lenders

Pull-through

Strong

4/5

closing strength

Product

Strong

4/5

Conventional · Jumbo

Place

Strong

4/5

Regional · 4 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Summary

What They Do Well

Strong pull through performance

Things to Think About

Pricing may be below industry average

Explore another lender or local market

Report Card

First Standard Financial performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Mediocre

+32.4 bps above market avg

1/5

Pull Through

Closing strength

Strong

Top 40% of lenders

4/5

By Loan Product· Specialization by type

Conventional

378 loans · 0.31% above market

Sound

Top 60% of lenders

3/5

Jumbo

37 loans · 0.44% above market

Strong

Top 40% of lenders

4/5

By Loan Purpose· Transaction purpose mix

Purchase

336 loans · 0.30% above market

Sound

Top 60% of lenders

3/5

Refinance

88 loans · 0.43% above market

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

Regional · 4 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	Mediocre	Strong	378	89.2%	+0.314%Above	$3,823Fees
Jumbo Loans	Exceptional	Strong	—	Exceptional	37	8.7%	+0.438%Above	$3,668Fees

Conventional

Overall

Sound

Product

Sound

Pricing

Mediocre

Pull Through

Strong

Volume378

Mix89.2%

Spread

+0.314%Above

Fees

$3,823Fees

Jumbo Loans

Overall

Exceptional

Product

Strong

Pricing—

Pull Through

Exceptional

Volume37

Mix8.7%

Spread

+0.438%Above

Fees

$3,668Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Sound	Mediocre	Exceptional	336	79.2%	+0.304%Above	$3,889Fees
Refinance	Sound	Sound	Mediocre	Exceptional	88	20.8%	+0.432%Above	$3,958Fees

Purchase

Overall

Sound

Product

Sound

Pricing

Mediocre

Pull Through

Exceptional

Volume336

Mix79.2%

Spread

+0.304%Above

Fees

$3,889Fees

Refinance

Overall

Sound

Product

Sound

Pricing

Mediocre

Pull Through

Exceptional

Volume88

Mix20.8%

Spread

+0.432%Above

Fees

$3,958Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

424

Applications

424

Volume

$285 million

Pricing & Closing

Avg Rate Spread

+0.324%

vs. market APOR

Avg Net Fees

$3,900

Origination − Credits

Pullthrough Rate

100.0%

Applications → Closed

Typical Borrower

Avg Loan Amount

$673,302

Avg Borrower Income

$26,946

Avg Property Value

$1,111,651

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

5Full-year 2024 · HMDA

Loans originated

< 1010+None

Northeast1

South1

West3

AZCAWA

Top Metro Areas by Place Specialization Score

Los Angeles, CAMetro

Volume 216Mix 50.94% of portfolio

79/100

Strong

Anaheim, CAMetro

Volume 99Mix 23.35% of portfolio

74/100

Strong

Riverside, CAMetro

Volume 59Mix 13.92% of portfolio

62/100

Strong

San Diego, CAMetro

Volume 10Mix 2.36% of portfolio

41/100

Sound

Top States by Place Specialization Score

CaliforniaState

Volume 399Mix 94.10% of portfolio

75/100

Strong

TexasState

Volume 12Mix 2.83% of portfolio

37/100

Acceptable

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.