We analyzed every closed loan from FCB Banks — 691 loans across 909 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Exceptional
5/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA · USDA
Place
Exceptional
5/5
Multi-Region · 1 mkts
Awards
Conventional
Superstar
FHA
Superstar
VA
Superstar
Purchase
Superstar
Refinance
Superstar
Summary
What They Do Well
- Offers rates 8.70 basis points below market average
- Lower than average lender fees
- Strong pull through performance
- Particularly strong in Conventional and VA and USDA loans
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Report Card
FCB Banks performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
Rates 8.7 bps below market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
FHA
Sound
Top 60% of lenders
VA
Strong
Top 40% of lenders
USDA
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 2 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 | 601 | 87.0% | -0.086%Below | $694Fees | ||||
FHA Loans | 44 | 6.4% | +0.204%Above | $673Fees | ||||
VA Loans | 26 | 3.8% | -0.532%Below | $1,005Fees | ||||
USDA Loans | — | 18 | 2.6% | -0.180%Below | $677Fees |
Conventional
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughSound
Volume601
Mix87.0%
Spread
-0.086%Below
Fees
$694Fees
FHA Loans
OverallStrong
ProductSound
PricingExceptional
Pull ThroughSound
Volume44
Mix6.4%
Spread
+0.204%Above
Fees
$673Fees
VA Loans
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughStrong
Volume26
Mix3.8%
Spread
-0.532%Below
Fees
$1,005Fees
USDA Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughExceptional
Volume18
Mix2.6%
Spread
-0.180%Below
Fees
$677Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 598 | 86.5% | -0.090%Below | $729Fees | ||||
Refinance | 93 | 13.5% | -0.069%Below | $612Fees |
Purchase
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughSound
Volume598
Mix86.5%
Spread
-0.090%Below
Fees
$729Fees
Refinance
OverallStrong
ProductSound
PricingExceptional
Pull ThroughStrong
Volume93
Mix13.5%
Spread
-0.069%Below
Fees
$612Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
691
Applications
909
Volume
$174 million
Pricing & Closing
Avg Rate Spread
-0.087%
vs. market APOR
Avg Net Fees
$711
Origination − Credits
Pullthrough Rate
76.0%
Applications → Closed
Typical Borrower
Avg Loan Amount
$252,410
Avg Borrower Income
$122,247
Avg Property Value
$346,954
Geographic Coverage
Geographic Performance
Metro Areas
1
markets with activity
States Served
10
of 50 states + DC
Avg Place Specialization
Exceptional
5/5
States with Loan Originations
10Midwest5
ILINKSMONE
South4
ARFLKYTN
West1
MT
Top Metro Areas by Place Specialization Score
Volume 642Mix 92.91% of portfolio
94/100
ExceptionalTop States by Place Specialization Score
1
IllinoisState
Volume 566Mix 81.91% of portfolio
84/100
Exceptional2
MissouriState
Volume 108Mix 15.63% of portfolio
64/100
StrongHow 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.