What loan types does FBC Mortgage offer?

FBC Mortgage offers the following mortgage loan types: FHA, Conventional, VA, Jumbo, usda. Each product has its own pricing score and performance metrics.

Where does FBC Mortgage offer mortgages?

FBC Mortgage 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's mortgage rates?

FBC Mortgage has an overall pricing score of 60.1/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is FBC Mortgage?

FBC Mortgage is a Independent Mortgage Company headquartered in TALLAHASSEE, FL.

Unclaimed

FBC Mortgage

Independent Mortgage Company•Tallahassee, FLHQ•Direct & Wholesale•Reviews near you on Google

We analyzed every closed loan from FBC Mortgage — 6.2k loans across 8k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Strong

4/5

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 · 49 mkts

Awards

FHA

Champion

Jumbo

Superstar

Purchase

Superstar

Summary

What They Do Well

Offers rates 4.20 basis points below market average
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

FBC Mortgage performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Strong

Rates 4.2 bps below market avg

Pull Through

Closing strength

Exceptional

Top 20% of lenders

By Loan Product· Specialization by type

Conventional

Strong

Top 40% of lenders

FHA

Exceptional

Top 20% of lenders

Exceptional

Top 20% of lenders

Jumbo

Strong

Top 40% of lenders

USDA

Exceptional

Top 20% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Exceptional

Top 20% of lenders

Refinance

Strong

Top 40% of lenders

By Location· Geographic coverage

Geographic Reach

Near-National · 50 markets

Strong

Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Strong	Acceptable	Sound	2,430	39.3%	+0.264%Above	$2,704Fees
FHA Loans	Exceptional	Exceptional	Strong	Exceptional	2,571	41.6%	-0.172%Below	$2,401Fees
VA Loans	Exceptional	Exceptional	Exceptional	Exceptional	1,033	16.7%	-0.882%Below	$1,101Fees
Jumbo Loans	Strong	Strong	Sound	Sound	93	1.5%	-0.028%Below	$855Fees
USDA Loans	Strong	Exceptional	—	Strong	52	0.8%	-0.812%Below	$1,627Fees

Conventional

Overall

Sound

Product

Strong

Pricing

Acceptable

Pull Through

Sound

Volume2,430

Mix39.3%

Spread

+0.264%Above

Fees

$2,704Fees

FHA Loans

Overall

Exceptional

Product

Exceptional

Pricing

Strong

Pull Through

Exceptional

Volume2,571

Mix41.6%

Spread

-0.172%Below

Fees

$2,401Fees

VA Loans

Overall

Exceptional

Product

Exceptional

Pricing

Exceptional

Pull Through

Exceptional

Volume1,033

Mix16.7%

Spread

-0.882%Below

Fees

$1,101Fees

Jumbo Loans

Overall

Strong

Product

Strong

Pricing

Sound

Pull Through

Sound

Volume93

Mix1.5%

Spread

-0.028%Below

Fees

$855Fees

USDA Loans

Overall

Strong

Product

Exceptional

Pricing—

Pull Through

Strong

Volume52

Mix0.8%

Spread

-0.812%Below

Fees

$1,627Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Strong	Exceptional	Strong	Strong	5,993	97.0%	-0.051%Below	$2,391Fees
Refinance	Sound	Strong	Sound	Sound	186	3.0%	+0.135%Above	$1,903Fees

Purchase

Overall

Strong

Product

Exceptional

Pricing

Strong

Pull Through

Strong

Volume5,993

Mix97.0%

Spread

-0.051%Below

Fees

$2,391Fees

Refinance

Overall

Sound

Product

Strong

Pricing

Sound

Pull Through

Sound

Volume186

Mix3.0%

Spread

+0.135%Above

Fees

$1,903Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

6,179

Applications

8,275

Volume

$2 billion

Pricing & Closing

Avg Rate Spread

-0.042%

vs. market APOR

Avg Net Fees

$2,367

Origination − Credits

Pullthrough Rate

74.7%

Applications → Closed

Typical Borrower

Avg Loan Amount

$372,885

Avg Borrower Income

$137,469

Avg Property Value

$446,248

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

Northeast7

CTMEMANHNJPAVT

Midwest6

ILINMIMNMOOH

South13

ALARFLGAKYMDMSNCOKSCTNTXVA

West10

AZCACOIDMTNMNVORUTWA

Top Metro Areas by Place Specialization Score

1© Mike Kalasnik from Charlotte, USA · CC BY-SA 2.0

Sumter, SCMetro

Volume 104Mix 1.68% of portfolio

91/100

Exceptional

2© Thomas Kirchel · CC BY-SA 4.0

Columbia, SCMetro

Volume 327Mix 5.29% of portfolio

89/100

Exceptional

3© The Floridian Boricua · CC BY-SA 2.0

Orlando, FLMetro

Volume 715Mix 11.57% of portfolio

87/100

Exceptional

4© Eric in SF · CC BY-SA 3.0

Birmingham, ALMetro

Volume 244Mix 3.95% of portfolio

85/100

Exceptional

Deltona, FLMetro

Volume 222Mix 3.59% of portfolio

83/100

Exceptional

Lakeland, FLMetro

Volume 195Mix 3.16% of portfolio

79/100

Strong

Bowling Green, KYMetro

Volume 90Mix 1.46% of portfolio

79/100

Strong

West Palm Beach, FLMetro

Volume 237Mix 3.84% of portfolio

79/100

Strong

Palm Bay, FLMetro

Volume 161Mix 2.61% of portfolio

77/100

Strong

Spartanburg, SCMetro

Volume 99Mix 1.60% of portfolio

77/100

Strong

Showing 10 of 49 metro areas

Top States by Place Specialization Score

South CarolinaState

Volume 931Mix 15.07% of portfolio

88/100

Exceptional

FloridaState

Volume 2,836Mix 45.90% of portfolio

87/100

Exceptional

AlabamaState

Volume 338Mix 5.47% of portfolio

77/100

Strong

GeorgiaState

Volume 490Mix 7.93% of portfolio

74/100

Strong

NevadaState

Volume 199Mix 3.22% of portfolio

72/100

Strong

KentuckyState

Volume 196Mix 3.17% of portfolio

70/100

Strong

North CarolinaState

Volume 287Mix 4.64% of portfolio

66/100

Strong

TexasState

Volume 224Mix 3.63% of portfolio

60/100

Strong

ArizonaState

Volume 118Mix 1.91% of portfolio

60/100

Sound

CaliforniaState

Volume 205Mix 3.32% of portfolio

59/100

Sound

Showing 10 of 19 states

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts

Pricing

Rate and fee competitiveness (33%)

10/ 30 pts

Pull Through

Reliability in closing loans (33%)

10/ 30 pts

Product

Specialization in the loan type (33%)

💎

Champion(80%+ = 24-30 points)

⭐

Superstar(60-79% = 18-23 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.