We analyzed every closed loan from FirstBank — 3.5k loans across 5k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Sound
3/5
vs. all lenders
Pull-through
Exceptional
5/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · Jumbo · USDA
Place
Strong
4/5
Near-National · 22 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Superstar
FHA
Superstar
VA
Superstar
Jumbo
Superstar
USDA
Superstar
Purchase
Superstar
Refinance
Superstar
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and Jumbo and USDA loans
- Nationwide availability with consistent service
Explore another lender or local market
Report Card
FirstBank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+21.6 bps above market avg
3/5
Pull Through
Closing strength
Exceptional
Top 20% of lenders
5/5
By Loan Product· Specialization by type
Conventional
2,379 loans · 0.21% above market
Exceptional
Top 20% of lenders
5/5
FHA
691 loans · 0.41% above market
Exceptional
Top 20% of lenders
5/5
VA
247 loans · 0.38% below market
Strong
Top 40% of lenders
4/5
Jumbo
91 loans · 0.26% above market
Exceptional
Top 20% of lenders
5/5
USDA
60 loans · 0.23% above market
Exceptional
Top 20% of lenders
5/5
By Loan Purpose· Transaction purpose mix
Purchase
2,962 loans · 0.21% above market
Exceptional
Top 20% of lenders
5/5
Refinance
506 loans · 0.24% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Near-National · 23 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 | 2,379 | 68.6% | +0.208%Above | $2,169Fees | ||||
FHA Loans | 691 | 19.9% | +0.415%Above | $2,557Fees | ||||
VA Loans | 247 | 7.1% | -0.381%Below | $1,540Fees | ||||
Jumbo Loans | 91 | 2.6% | +0.258%Above | $1,436Fees | ||||
USDA Loans | 60 | 1.7% | +0.226%Above | $2,792Fees |
Conventional
OverallStrong
ProductExceptional
PricingSound
Pull ThroughStrong
Volume2,379
Mix68.6%
Spread
+0.208%Above
Fees
$2,169Fees
FHA Loans
OverallStrong
ProductExceptional
PricingSound
Pull ThroughStrong
Volume691
Mix19.9%
Spread
+0.415%Above
Fees
$2,557Fees
VA Loans
OverallStrong
ProductStrong
PricingStrong
Pull ThroughExceptional
Volume247
Mix7.1%
Spread
-0.381%Below
Fees
$1,540Fees
Jumbo Loans
OverallStrong
ProductExceptional
PricingSound
Pull ThroughStrong
Volume91
Mix2.6%
Spread
+0.258%Above
Fees
$1,436Fees
USDA Loans
OverallStrong
ProductExceptional
PricingAcceptable
Pull ThroughStrong
Volume60
Mix1.7%
Spread
+0.226%Above
Fees
$2,792Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 2,962 | 85.4% | +0.212%Above | $2,152Fees | ||||
Refinance | 506 | 14.6% | +0.241%Above | $2,436Fees |
Purchase
OverallStrong
ProductExceptional
PricingSound
Pull ThroughStrong
Volume2,962
Mix85.4%
Spread
+0.212%Above
Fees
$2,152Fees
Refinance
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume506
Mix14.6%
Spread
+0.241%Above
Fees
$2,436Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
3,468
Applications
4,590
Volume
$1 billion
Pricing & Closing
Avg Rate Spread
+0.216%
vs. market APOR
Avg Net Fees
$2,195
Origination − Credits
Pullthrough Rate
75.6%
Applications → Closed
Typical Borrower
Avg Loan Amount
$352,021
Avg Borrower Income
$140,506
Avg Property Value
$472,217
Geographic Coverage
Geographic Performance
Metro Areas
22
markets with activity
States Served
32
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
32Full-year 2024 · HMDALoans originated
< 1010–2020–5050–200200+None
Northeast4
NJNYPARI
Midwest8
ILINKSMIMONEOHWI
South13
ALARFLGAKYLAMSNCSCTNTXVAWV
West7
AZCACOORUTWAWY
Top Metro Areas by Place Specialization Score
Showing 10 of 22 metro areas
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.