# FIRST CONTINENTAL MORTGAGE, LTD.

> **Canonical URL:** https://saferate.com/lenders/first-continental-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 CONTINENTAL MORTGAGE, LTD. is a independent mortgage company, headquartered in HOUSTON, TX, serving borrowers across 8 states, with 765 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 1% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 21% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300C20KZIWPASBC15
- **Headquarters:** HOUSTON, TX
- **Geographic Reach:** Multi-Region
- **States Served:** 8
- **State List:** AL, CO, FL, GA, SC, TN, TX, WA
- **Markets (MSAs):** 11
- **Primary Channel:** mix
- **Direct Origination:** 27.2%
- **Brokered/Wholesale:** 72.8%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 99/100
- Rating: ●●●●● (5/5)

### Pull Through: Strong 😀
- Score: 79/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** -0.580%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $488
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 765
- **Dollar Volume:** $281 million
- **Applications Received:** 820
- **Market Share:** 2.00%

## Typical Borrower Profile

- **Average Loan Amount:** $366,922
- **Average Borrower Income:** $132,193
- **Average Property Value:** $392,046

## Safe Rate Awards 🏆

- 💎 **FHA Diamond Champion** (84%)
- 💎 **VA Diamond Champion** (84%)
- 💎 **Purchase Diamond Champion** (84%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 34/100 | 79 | -0.097% | $717 | Acceptable 🙂 |
| FHA | 75/100 | 457 | -0.519% | $395 | Strong 😀 |
| VA | 77/100 | 228 | -0.965% | $661 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 77 loans, Score: 36/100 (Acceptable)

**FHA:**
- Purchase: 456 loans, Score: 76/100 (Strong)

**VA:**
- Purchase: 228 loans, Score: 77/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 66/100 | 762 | $280M | -0.582% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TX | 586 | 0.17% | 78/100 |
| GA | 132 | 0.10% | 66/100 |
| WA | 23 | 0.03% | 48/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Dallas | TX | 167 | 72/100 |
| Fort Worth | TX | 117 | 73/100 |
| Killeen | TX | 108 | 78/100 |
| Houston | TX | 93 | 64/100 |
| Savannah, GA | GA | 79 | 81/100 |
| San Antonio | TX | 55 | 59/100 |
| Marietta, GA | GA | 34 | 58/100 |
| Austin | TX | 30 | 54/100 |
| Tacoma | WA | 21 | 53/100 |
| Sherman | TX | 15 | 53/100 |
| Atlanta | GA | 13 | 41/100 |

## Where This Lender Ranks

FIRST CONTINENTAL MORTGAGE, LTD. appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Killeen Mortgage Companies
  - [View Full Rankings](https://saferate.com/killeen/best-mortgage-lenders/mortgage-companies)
- 🥇 **#1** in Killeen for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/killeen/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🥇 **#1** in Savannah, GA
  - [View Full Rankings](https://saferate.com/savannah-ga/best-mortgage-lenders)
- 🥇 **#1** in Savannah, GA Mortgage Companies
  - [View Full Rankings](https://saferate.com/savannah-ga/best-mortgage-lenders/mortgage-companies)
- 🥇 **#1** in Savannah, GA for FHA Loans
  - [View Full Rankings](https://saferate.com/savannah-ga/best-mortgage-lenders/fha-loans)
- 🥇 **#1** in Savannah, GA for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/savannah-ga/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🥈 **#2** in Killeen
  - [View Full Rankings](https://saferate.com/killeen/best-mortgage-lenders)
- 🥈 **#2** in Killeen for FHA Loans
  - [View Full Rankings](https://saferate.com/killeen/best-mortgage-lenders/fha-loans)
- 🥈 **#2** in Killeen for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/killeen/best-mortgage-lenders/mortgage-companies/va-loans)
- 🥈 **#2** in Savannah, GA for VA Loans
  - [View Full Rankings](https://saferate.com/savannah-ga/best-mortgage-lenders/va-loans)
- 🥈 **#2** in Savannah, GA for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/savannah-ga/best-mortgage-lenders/mortgage-companies/va-loans)
- 🥉 **#3** in Fort Worth Mortgage Companies
  - [View Full Rankings](https://saferate.com/fort-worth/best-mortgage-lenders/mortgage-companies)
- 🥉 **#3** in Killeen for VA Loans
  - [View Full Rankings](https://saferate.com/killeen/best-mortgage-lenders/va-loans)
- 🥉 **#3** in Sherman for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/sherman/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#4** in Dallas Mortgage Companies
  - [View Full Rankings](https://saferate.com/dallas/best-mortgage-lenders/mortgage-companies)
- 🏆 **#4** in Fort Worth
  - [View Full Rankings](https://saferate.com/fort-worth/best-mortgage-lenders)
- 🏆 **#4** in Fort Worth for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/fort-worth/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#5** in Dallas
  - [View Full Rankings](https://saferate.com/dallas/best-mortgage-lenders)
- 🏆 **#5** in Fort Worth for VA Loans
  - [View Full Rankings](https://saferate.com/fort-worth/best-mortgage-lenders/va-loans)
- 🏆 **#5** in Fort Worth for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/fort-worth/best-mortgage-lenders/mortgage-companies/va-loans)

## Frequently Asked Questions

### What loan types does FIRST CONTINENTAL MORTGAGE, LTD. offer?

FIRST CONTINENTAL MORTGAGE, LTD. offers the following mortgage loan types: FHA, Conventional, VA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does FIRST CONTINENTAL MORTGAGE, LTD. offer mortgages?

FIRST CONTINENTAL MORTGAGE, LTD. offers mortgages in 8 states: AL, CO, FL, GA, SC, TN, TX, WA.

### How competitive are FIRST CONTINENTAL MORTGAGE, LTD.'s mortgage rates?

FIRST CONTINENTAL MORTGAGE, LTD. has a pricing score of 99/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.580% below market average.

### What type of lender is FIRST CONTINENTAL MORTGAGE, LTD.?

FIRST CONTINENTAL MORTGAGE, LTD. is a non-depository lender that specializes in mortgage origination, headquartered in HOUSTON, TX.

### What is FIRST CONTINENTAL MORTGAGE, LTD.'s loan approval success rate?

FIRST CONTINENTAL MORTGAGE, LTD. has a pull-through score of 79/100 (Strong). 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-continental-mortgage

### How to Cite

> "FIRST CONTINENTAL MORTGAGE, LTD. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/first-continental-mortgage

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