What loan types does First State Bank offer?

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

Where does First State Bank offer mortgages?

First State Bank offers mortgages in 3 states: LA, OK, TX.

How competitive are First State Bank's mortgage rates?

First State Bank has an overall pricing score of 28.9/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is First State Bank?

First State Bank is a Bank headquartered in Gainesville, TX.

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First State Bank

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First State Bank has 151 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

Pricing

Acceptable

2/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Sound

3/5

FHA · Conventional

Place

Strong

4/5

Regional · 3 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Summary

Things to Think About

Pricing may be below industry average

Explore another lender or local market

Report Card

First State Bank performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Acceptable

+33.7 bps above market avg

2/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

122 loans · 0.33% above market

Sound

Top 60% of lenders

3/5

FHA

19 loans · 0.67% above market

Sound

Top 60% of lenders

3/5

By Loan Purpose· Transaction purpose mix

Purchase

141 loans · 0.34% above market

Sound

Top 60% of lenders

3/5

Refinance

10 loans · 0.36% above market

Mediocre

Bottom 20% of lenders

1/5

By Location· Geographic coverage

Geographic Reach

Regional · 4 markets

Sound

Top 60% of lenders

3/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Acceptable	Sound	Acceptable	Sound	122	80.8%	+0.327%Above	$2,569Fees
FHA Loans	Sound	Sound	—	Strong	19	12.6%	+0.665%Above	$3,219Fees

Conventional

Overall

Acceptable

Product

Sound

Pricing

Acceptable

Pull Through

Sound

Volume122

Mix80.8%

Spread

+0.327%Above

Fees

$2,569Fees

FHA Loans

Overall

Sound

Product

Sound

Pricing—

Pull Through

Strong

Volume19

Mix12.6%

Spread

+0.665%Above

Fees

$3,219Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Sound	Acceptable	Sound	141	93.4%	+0.335%Above	$2,733Fees
Refinance	Mediocre	Mediocre	—	Mediocre	10	6.6%	+0.360%Above	$2,101Fees

Purchase

Overall

Sound

Product

Sound

Pricing

Acceptable

Pull Through

Sound

Volume141

Mix93.4%

Spread

+0.335%Above

Fees

$2,733Fees

Refinance

Overall

Mediocre

Product

Mediocre

Pricing—

Pull Through

Mediocre

Volume10

Mix6.6%

Spread

+0.360%Above

Fees

$2,101Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

151

Applications

214

Volume

$52 million

Pricing & Closing

Avg Rate Spread

+0.337%

vs. market APOR

Avg Net Fees

$2,689

Origination − Credits

Pullthrough Rate

70.6%

Applications → Closed

Typical Borrower

Avg Loan Amount

$347,715

Avg Borrower Income

$183,417

Avg Property Value

$497,848

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

3Full-year 2024 · HMDA

Loans originated

< 100100+None

South3

LAOKTX

Top Metro Areas by Place Specialization Score

Sherman, TXMetro

Volume 22Mix 14.57% of portfolio

69/100

Strong

Dallas, TXMetro

Volume 37Mix 24.50% of portfolio

59/100

Sound

Fort Worth, TXMetro

Volume 22Mix 14.57% of portfolio

54/100

Sound

Top States by Place Specialization Score

TexasState

Volume 147Mix 97.35% of portfolio

68/100

Strong

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.