# FIRST COMMUNITY MORTGAGE, INC.

> **Canonical URL:** https://saferate.com/lenders/first-community-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


FIRST COMMUNITY MORTGAGE, INC. is a independent mortgage company, headquartered in NASHVILLE, TN, serving borrowers nationwide, with 9,840 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 69% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 11% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300R0SXC1JU7ZU290
- **Headquarters:** NASHVILLE, TN
- **Geographic Reach:** National
- **States Served:** 48
- **State List:** AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY
- **Markets (MSAs):** 50
- **Primary Channel:** mix
- **Direct Origination:** 46.2%
- **Brokered/Wholesale:** 53.8%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 31/100
- Rating: ●●○○○ (2/5)

### Pull Through: Exceptional 🤩
- Score: 89/100
- Rating: ●●●●● (5/5)

### Pricing Details
- **Average Rate Spread:** +0.429%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,818
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 9,840
- **Dollar Volume:** $2.9 billion
- **Applications Received:** 12,222
- **Market Share:** 28.00%

## Typical Borrower Profile

- **Average Loan Amount:** $293,361
- **Average Borrower Income:** $116,450
- **Average Property Value:** $364,373

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (62%)
- ⭐ **FHA Gold Superstar** (69%)
- ⭐ **VA Gold Superstar** (69%)
- ⭐ **USDA Gold Superstar** (76%)
- ⭐ **Purchase Gold Superstar** (62%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 85/100 | 5,870 | +0.391% | $2,745 | Exceptional 🤩 |
| FHA | 88/100 | 2,676 | +0.690% | $3,165 | Exceptional 🤩 |
| VA | 84/100 | 824 | -0.146% | $2,486 | Exceptional 🤩 |
| Jumbo | 73/100 | 64 | +0.634% | $2,701 | Strong 😀 |
| USDA | 94/100 | 406 | +0.234% | $2,182 | Exceptional 🤩 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 4,851 loans, Score: 86/100 (Exceptional)
- Refinance: 1,019 loans, Score: 80/100 (Strong)

**FHA:**
- Purchase: 2,421 loans, Score: 89/100 (Exceptional)
- Refinance: 255 loans, Score: 83/100 (Exceptional)

**VA:**
- Purchase: 744 loans, Score: 83/100 (Exceptional)
- Refinance: 80 loans, Score: 80/100 (Exceptional)

**Jumbo:**
- Purchase: 43 loans, Score: 72/100 (Strong)
- Refinance: 21 loans, Score: 52/100 (Sound)

**USDA:**
- Purchase: 399 loans, Score: 94/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 88/100 | 8,458 | $2.5B | +0.458% | Exceptional 🤩 |
| Refinance | 80/100 | 1,382 | $414M | +0.276% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TN | 2,186 | 2.40% | 93/100 |
| OH | 999 | 0.74% | 80/100 |
| MI | 917 | 0.81% | 79/100 |
| FL | 626 | 0.21% | 70/100 |
| GA | 585 | 0.42% | 75/100 |
| IN | 551 | 0.61% | 75/100 |
| VA | 524 | 0.49% | 77/100 |
| PA | 449 | 0.37% | 73/100 |
| AL | 379 | 0.63% | 77/100 |
| LA | 321 | 0.92% | 73/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 1,968 | 82/100 |
| Cincinnati, OH |  | 687 | 90/100 |
| Nashville | TN | 683 | 88/100 |
| Virginia Beach | VA-NC | 339 | 79/100 |
| Atlanta | GA | 338 | 74/100 |
| Knoxville, TN | TN | 270 | 76/100 |
| Indianapolis | IN | 240 | 73/100 |
| Warren | MI | 233 | 70/100 |
| Grand Rapids | MI | 224 | 70/100 |
| Dayton | OH | 150 | 70/100 |
| Charlotte | NC-SC | 140 | 66/100 |
| Lafayette, LA | LA | 140 | 79/100 |
| Clarksville, TN | TN-KY | 138 | 76/100 |
| Jackson, TN | TN | 132 | 77/100 |
| Baltimore | MD | 120 | 65/100 |

## Where This Lender Ranks

FIRST COMMUNITY MORTGAGE, INC. appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Jackson, TN for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/jackson-tn/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🥇 **#1** in Fort Smith, AR for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/fort-smith-ar/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🥈 **#2** in Tennessee for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/tennessee/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🥈 **#2** in Nashville for USDA Loans
  - [View Full Rankings](https://saferate.com/nashville/best-mortgage-lenders/usda-loans)
- 🥈 **#2** in Nashville for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/nashville/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🥈 **#2** in Jackson, TN for USDA Loans
  - [View Full Rankings](https://saferate.com/jackson-tn/best-mortgage-lenders/usda-loans)
- 🥈 **#2** in Fort Smith, AR for USDA Loans
  - [View Full Rankings](https://saferate.com/fort-smith-ar/best-mortgage-lenders/usda-loans)
- 🥉 **#3** in Jackson, TN for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/jackson-tn/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥉 **#3** in Midland, MI for FHA Loans
  - [View Full Rankings](https://saferate.com/midland-mi/best-mortgage-lenders/fha-loans)
- 🥉 **#3** in Midland, MI for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/midland-mi/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🥉 **#3** in Midland, MI for VA Loans
  - [View Full Rankings](https://saferate.com/midland-mi/best-mortgage-lenders/va-loans)
- 🥉 **#3** in Midland, MI for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/midland-mi/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#4** in Atlanta for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/atlanta/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🏆 **#4** in Knoxville, TN for USDA Loans
  - [View Full Rankings](https://saferate.com/knoxville-tn/best-mortgage-lenders/usda-loans)
- 🏆 **#4** in Knoxville, TN for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/knoxville-tn/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🏆 **#4** in Jackson, TN Mortgage Companies
  - [View Full Rankings](https://saferate.com/jackson-tn/best-mortgage-lenders/mortgage-companies)
- 🏆 **#4** in Midland, MI Mortgage Companies
  - [View Full Rankings](https://saferate.com/midland-mi/best-mortgage-lenders/mortgage-companies)
- 🏆 **#4** in Midland, MI for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/midland-mi/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#4** in Florence Mortgage Companies
  - [View Full Rankings](https://saferate.com/florence/best-mortgage-lenders/mortgage-companies)
- 🏆 **#4** in Saginaw, MI for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/saginaw-mi/best-mortgage-lenders/mortgage-companies/conventional-loans)

## Frequently Asked Questions

### What loan types does FIRST COMMUNITY MORTGAGE, INC. offer?

FIRST COMMUNITY MORTGAGE, INC. 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 FIRST COMMUNITY MORTGAGE, INC. offer mortgages?

FIRST COMMUNITY MORTGAGE, INC. is a national lender offering mortgages in all 50 states plus Washington D.C.

### How competitive are FIRST COMMUNITY MORTGAGE, INC.'s mortgage rates?

FIRST COMMUNITY MORTGAGE, INC. has a pricing score of 31/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.429% above market average.

### What type of lender is FIRST COMMUNITY MORTGAGE, INC.?

FIRST COMMUNITY MORTGAGE, INC. is a non-depository lender that specializes in mortgage origination, headquartered in NASHVILLE, TN.

### What is FIRST COMMUNITY MORTGAGE, INC.'s loan approval success rate?

FIRST COMMUNITY MORTGAGE, INC. has a pull-through score of 89/100 (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/first-community-mortgage

### How to Cite

> "FIRST COMMUNITY MORTGAGE, INC. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/first-community-mortgage

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