We analyzed every closed loan from First Bank — 636 loans across 793 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 · Jumbo
Place
Sound
3/5
Regional · 12 mkts
Awards
Conventional
Superstar
Purchase
Superstar
Refinance
Superstar
Summary
What They Do Well
- Competitive pricing compared to the market
- Lower than average lender fees
- Strong pull through performance
- Particularly strong in Conventional and Jumbo loans
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Report Card
First Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
+5.9 bps above 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
Sound
Top 60% of lenders
Jumbo
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
Regional · 13 markets
Sound
Top 60% of lenders
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 579 | 91.0% | +0.092%Above | $1,251Fees | ||||
FHA Loans | — | 16 | 2.5% | +0.071%Above | $1,507Fees | |||
VA Loans | — | — | 12 | 1.9% | -0.674%Below | $697Fees | ||
Jumbo Loans | — | 22 | 3.5% | +0.515%Above | $137Credit |
Conventional
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughStrong
Volume579
Mix91.0%
Spread
+0.092%Above
Fees
$1,251Fees
FHA Loans
OverallSound
ProductSound
Pricing—
Pull ThroughSound
Volume16
Mix2.5%
Spread
+0.071%Above
Fees
$1,507Fees
VA Loans
OverallSound
ProductSound
Pricing—
Pull Through—
Volume12
Mix1.9%
Spread
-0.674%Below
Fees
$697Fees
Jumbo Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughSound
Volume22
Mix3.5%
Spread
+0.515%Above
Fees
$137Credit
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 573 | 90.1% | +0.056%Above | $1,196Fees | ||||
Refinance | 63 | 9.9% | +0.068%Above | $1,255Fees |
Purchase
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughStrong
Volume573
Mix90.1%
Spread
+0.056%Above
Fees
$1,196Fees
Refinance
OverallStrong
ProductSound
PricingExceptional
Pull ThroughStrong
Volume63
Mix9.9%
Spread
+0.068%Above
Fees
$1,255Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
636
Applications
793
Volume
$217 million
Pricing & Closing
Avg Rate Spread
+0.059%
vs. market APOR
Avg Net Fees
$1,210
Origination − Credits
Pullthrough Rate
80.2%
Applications → Closed
Typical Borrower
Avg Loan Amount
$341,635
Avg Borrower Income
$138,876
Avg Property Value
$527,358
Geographic Coverage
Geographic Performance
Metro Areas
12
markets with activity
States Served
3
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
3South3
NCSCVA
Top Metro Areas by Place Specialization Score
Volume 112Mix 17.61% of portfolio
83/100
Exceptional
Volume 45Mix 7.08% of portfolio
77/100
Strong
Volume 64Mix 10.06% of portfolio
77/100
Strong
Volume 59Mix 9.28% of portfolio
63/100
Strong
Volume 38Mix 5.97% of portfolio
63/100
Strong
Volume 35Mix 5.50% of portfolio
61/100
Strong
Volume 25Mix 3.93% of portfolio
53/100
Sound
Volume 15Mix 2.36% of portfolio
52/100
Sound
Volume 19Mix 2.99% of portfolio
52/100
Sound
Volume 15Mix 2.36% of portfolio
50/100
SoundShowing 10 of 12 metro areas
Top States by Place Specialization Score
1
North CarolinaState
Volume 591Mix 92.92% of portfolio
80/100
Exceptional2
South CarolinaState
Volume 44Mix 6.92% of portfolio
56/100
SoundHow 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.