# FBC MORTGAGE, LLC

> **Canonical URL:** https://saferate.com/lenders/fbc-mortgage


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


FBC MORTGAGE, LLC is a independent mortgage company, headquartered in TALLAHASSEE, FL, serving borrowers across 36 states, with 6,179 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 40% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 17% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 5493005JPZ3LXXMB0S24
- **Headquarters:** TALLAHASSEE, FL
- **Geographic Reach:** Near-National
- **States Served:** 36
- **State List:** AL, AR, AZ, CA, CO, CT, FL, GA, ID, IL, IN, KY, MA, MD, ME, MI, MN, MO, MS, MT, NC, NH, NJ, NM, NV, OH, OK, OR, PA, SC, TN, TX, UT, VA, VT, WA
- **Markets (MSAs):** 50
- **Primary Channel:** mix
- **Direct Origination:** 70%
- **Brokered/Wholesale:** 30%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 60/100
- Rating: ●●●●○ (4/5)

### Pull Through: Exceptional 🤩
- Score: 83/100
- Rating: ●●●●● (5/5)

### Pricing Details
- **Average Rate Spread:** -0.042%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,367
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 6,179
- **Dollar Volume:** $2.3 billion
- **Applications Received:** 8,275
- **Market Share:** 17.00%

## Typical Borrower Profile

- **Average Loan Amount:** $372,885
- **Average Borrower Income:** $137,469
- **Average Property Value:** $446,248

## Safe Rate Awards 🏆

- 💎 **FHA Diamond Champion** (83%)
- 💎 **VA Diamond Champion** (90%)
- ⭐ **Purchase Gold Superstar** (77%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 77/100 | 2,430 | +0.264% | $2,704 | Strong 😀 |
| FHA | 88/100 | 2,571 | -0.172% | $2,401 | Exceptional 🤩 |
| VA | 87/100 | 1,033 | -0.882% | $1,101 | Exceptional 🤩 |
| Jumbo | 76/100 | 93 | -0.028% | $855 | Strong 😀 |
| USDA | 81/100 | 52 | -0.812% | $1,627 | Exceptional 🤩 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 2,292 loans, Score: 78/100 (Strong)
- Refinance: 138 loans, Score: 61/100 (Strong)

**FHA:**
- Purchase: 2,541 loans, Score: 89/100 (Exceptional)
- Refinance: 30 loans, Score: 70/100 (Strong)

**VA:**
- Purchase: 1,025 loans, Score: 87/100 (Exceptional)

**Jumbo:**
- Purchase: 83 loans, Score: 77/100 (Strong)

**USDA:**
- Purchase: 52 loans, Score: 81/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 87/100 | 5,993 | $2.2B | -0.051% | Exceptional 🤩 |
| Refinance | 61/100 | 186 | $83M | +0.135% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| FL | 2,836 | 0.97% | 87/100 |
| SC | 931 | 1.16% | 88/100 |
| GA | 490 | 0.35% | 74/100 |
| AL | 338 | 0.56% | 77/100 |
| NC | 287 | 0.19% | 66/100 |
| TX | 224 | 0.06% | 60/100 |
| CA | 205 | 0.07% | 59/100 |
| NV | 199 | 0.49% | 72/100 |
| KY | 196 | 0.42% | 70/100 |
| AZ | 118 | 0.12% | 60/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Orlando | FL | 715 | 87/100 |
| Columbia, SC | SC | 327 | 89/100 |
| Atlanta | GA | 282 | 73/100 |
| Non |  | 279 | 59/100 |
| Tampa, FL | FL | 275 | 76/100 |
| Birmingham, AL | AL | 244 | 85/100 |
| West Palm Beach | FL | 237 | 79/100 |
| Deltona | FL | 222 | 83/100 |
| Las Vegas | NV | 197 | 74/100 |
| Lakeland | FL | 195 | 79/100 |
| Palm Bay | FL | 161 | 77/100 |
| Greenville | SC | 134 | 76/100 |
| North Port | FL | 134 | 75/100 |
| Jacksonville, FL | FL | 121 | 67/100 |
| Riverside | CA | 117 | 62/100 |

## Where This Lender Ranks

FBC MORTGAGE, LLC appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Florida
  - [View Full Rankings](https://saferate.com/florida/best-mortgage-lenders)
- 🥇 **#1** in Florida Mortgage Companies
  - [View Full Rankings](https://saferate.com/florida/best-mortgage-lenders/mortgage-companies)
- 🥇 **#1** in Florida for FHA Loans
  - [View Full Rankings](https://saferate.com/florida/best-mortgage-lenders/fha-loans)
- 🥇 **#1** in Florida for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/florida/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🥇 **#1** in Florida for VA Loans
  - [View Full Rankings](https://saferate.com/florida/best-mortgage-lenders/va-loans)
- 🥇 **#1** in Florida for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/florida/best-mortgage-lenders/mortgage-companies/va-loans)
- 🥇 **#1** in South Carolina
  - [View Full Rankings](https://saferate.com/south-carolina/best-mortgage-lenders)
- 🥇 **#1** in South Carolina Mortgage Companies
  - [View Full Rankings](https://saferate.com/south-carolina/best-mortgage-lenders/mortgage-companies)
- 🥇 **#1** in South Carolina for VA Loans
  - [View Full Rankings](https://saferate.com/south-carolina/best-mortgage-lenders/va-loans)
- 🥇 **#1** in South Carolina for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/south-carolina/best-mortgage-lenders/mortgage-companies/va-loans)
- 🥇 **#1** in Orlando
  - [View Full Rankings](https://saferate.com/orlando/best-mortgage-lenders)
- 🥇 **#1** in Orlando Mortgage Companies
  - [View Full Rankings](https://saferate.com/orlando/best-mortgage-lenders/mortgage-companies)
- 🥇 **#1** in Orlando for FHA Loans
  - [View Full Rankings](https://saferate.com/orlando/best-mortgage-lenders/fha-loans)
- 🥇 **#1** in Orlando for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/orlando/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🥇 **#1** in Orlando for VA Loans
  - [View Full Rankings](https://saferate.com/orlando/best-mortgage-lenders/va-loans)
- 🥇 **#1** in Orlando for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/orlando/best-mortgage-lenders/mortgage-companies/va-loans)
- 🥇 **#1** in Columbia, SC
  - [View Full Rankings](https://saferate.com/columbia-sc/best-mortgage-lenders)
- 🥇 **#1** in Columbia, SC Mortgage Companies
  - [View Full Rankings](https://saferate.com/columbia-sc/best-mortgage-lenders/mortgage-companies)
- 🥇 **#1** in Columbia, SC for VA Loans
  - [View Full Rankings](https://saferate.com/columbia-sc/best-mortgage-lenders/va-loans)
- 🥇 **#1** in Columbia, SC for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/columbia-sc/best-mortgage-lenders/mortgage-companies/va-loans)

## Frequently Asked Questions

### What loan types does FBC MORTGAGE, LLC offer?

FBC MORTGAGE, LLC offers the following mortgage loan types: FHA, Conventional, VA, Jumbo, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does FBC MORTGAGE, LLC offer mortgages?

FBC MORTGAGE, LLC offers mortgages in 36 states: AL, AR, AZ, CA, CO, CT, FL, GA, ID, IL, IN, KY, MA, MD, ME, MI, MN, MO, MS, MT, NC, NH, NJ, NM, NV, OH, OK, OR, PA, SC, TN, TX, UT, VA, VT, WA.

### How competitive are FBC MORTGAGE, LLC's mortgage rates?

FBC MORTGAGE, LLC has a pricing score of 60/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.042% below market average.

### What type of lender is FBC MORTGAGE, LLC?

FBC MORTGAGE, LLC is a non-depository lender that specializes in mortgage origination, headquartered in TALLAHASSEE, FL.

### What is FBC MORTGAGE, LLC's loan approval success rate?

FBC MORTGAGE, LLC has a pull-through score of 83/100 (Exceptional). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/fbc-mortgage

### How to Cite

> "FBC MORTGAGE, LLC Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/fbc-mortgage

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