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FBC MORTGAGE, LLC
Independent Mortgage Company|TALLAHASSEE, FL|Near-National
Loans Originated
6,179
Applications
8,275
Volume
$2 billion
Offers loans directly to consumersSources loans from independent brokers
Overall Pricing
Strong
Overall Pull Through
Exceptional
Safe Rate Awards💎FHA Champion💎VA Champion⭐Purchase Superstar
Pricing and Pullthrough Overview
Average Rate Spread
-0.042%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$2,367
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
74.7%
Percentage of applications that result in closed loans
Safe Rate's 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
Report Card
FBC MORTGAGE, LLC performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Strong | Highly Competitive | |
Pull Through Closing Strength | Exceptional | Market Leader | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
FHA | Exceptional | Market Leader | |
VA | Exceptional | Market Leader | |
Jumbo | Strong | Highly Competitive | |
USDA | Exceptional | Market Leader | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Exceptional | Market Leader | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Strong | Near-National · 50 metro areas · 36 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$372,885
Average Borrower Income
$137,469
Average Property Value
$446,248
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% | $2,704 |
FHA Loans | Exceptional | Exceptional | Strong | Exceptional | 2,571 | 41.6% | -0.172% | $2,401 |
VA Loans | Exceptional | Exceptional | Exceptional | Exceptional | 1,033 | 16.7% | -0.882% | $1,101 |
Jumbo Loans | Sound | Strong | Sound | Sound | 93 | 1.5% | -0.028% | $855 |
USDA Loans | Strong | Exceptional | N/A | Strong | 52 | 0.8% | -0.812% | $1,627 |
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% | $2,391 |
Refinance | Sound | Strong | Sound | Sound | 186 | 3.0% | +0.135% | $1,903 |
Geographic Coverage
Metro Areas
49
States Served
36
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
ALARAZCACOCTFLGAIDILINKYMAMDMEMIMNMOMSMTNCNHNJNMNVOHOKORPASCTNTXUTVAVTWA
Top Metro Areas by Place Specialization Score
1
Sumter, SC, SCMSA
Volume: 104Mix: 1.68%
Place Specialization
Exceptional
2
Columbia, SC, SCMSA
Volume: 327Mix: 5.29%
Place Specialization
Exceptional
3
Orlando, FLMSA
Volume: 715Mix: 11.57%
Place Specialization
Exceptional
4
Birmingham, AL, ALMSA
Volume: 244Mix: 3.95%
Place Specialization
Exceptional
5
Deltona, FLMSA
Volume: 222Mix: 3.59%
Place Specialization
Exceptional
6
Lakeland, FLMSA
Volume: 195Mix: 3.16%
Place Specialization
Strong
7
Bowling Green, KY, KYMSA
Volume: 90Mix: 1.46%
Place Specialization
Strong
8
West Palm Beach, FLMSA
Volume: 237Mix: 3.84%
Place Specialization
Strong
9
Palm Bay, FLMSA
Volume: 161Mix: 2.61%
Place Specialization
Strong
10
Spartanburg, SC, SCMSA
Volume: 99Mix: 1.60%
Place Specialization
Strong
Showing 10 of 49 metro areas
Top States by Place Specialization Score
1
SCState
Volume: 931Mix: 15.07%
Place Specialization
Exceptional
2
FLState
Volume: 2,836Mix: 45.90%
Place Specialization
Exceptional
3
ALState
Volume: 338Mix: 5.47%
Place Specialization
Strong
4
GAState
Volume: 490Mix: 7.93%
Place Specialization
Strong
5
NVState
Volume: 199Mix: 3.22%
Place Specialization
Strong
6
KYState
Volume: 196Mix: 3.17%
Place Specialization
Strong
7
NCState
Volume: 287Mix: 4.64%
Place Specialization
Strong
8
TXState
Volume: 224Mix: 3.63%
Place Specialization
Strong
9
AZState
Volume: 118Mix: 1.91%
Place Specialization
Sound
10
CAState
Volume: 205Mix: 3.32%
Place Specialization
Sound
Showing 10 of 19 states
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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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