We analyzed every closed loan from First Bank — 613 loans across 763 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Acceptable
2/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA · Jumbo
Place
Strong
4/5
Multi-Region · 7 mkts
Awards
VA
Superstar
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and Jumbo loans
Things to Think About
- Pricing may be below industry average
Explore another lender or local market
Report Card
First Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+23.7 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
Strong
Top 40% of lenders
VA
Strong
Top 40% of lenders
Jumbo
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 8 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 | 460 | 75.0% | +0.266%Above | $3,568Fees | ||||
FHA Loans | 87 | 14.2% | +0.378%Above | $4,036Fees | ||||
VA Loans | 53 | 8.6% | -0.293%Below | $2,925Fees | ||||
Jumbo Loans | — | — | 12 | 2.0% | +0.267%Above | $3,701Fees |
Conventional
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume460
Mix75.0%
Spread
+0.266%Above
Fees
$3,568Fees
FHA Loans
OverallSound
ProductStrong
PricingSound
Pull ThroughStrong
Volume87
Mix14.2%
Spread
+0.378%Above
Fees
$4,036Fees
VA Loans
OverallStrong
ProductStrong
PricingSound
Pull ThroughExceptional
Volume53
Mix8.6%
Spread
-0.293%Below
Fees
$2,925Fees
Jumbo Loans
OverallStrong
ProductStrong
Pricing—
Pull Through—
Volume12
Mix2.0%
Spread
+0.267%Above
Fees
$3,701Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 484 | 79.0% | +0.255%Above | $3,733Fees | ||||
Refinance | 129 | 21.0% | +0.180%Above | $3,103Fees |
Purchase
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume484
Mix79.0%
Spread
+0.255%Above
Fees
$3,733Fees
Refinance
OverallSound
ProductStrong
PricingMediocre
Pull ThroughExceptional
Volume129
Mix21.0%
Spread
+0.180%Above
Fees
$3,103Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
613
Applications
763
Volume
$262 million
Pricing & Closing
Avg Rate Spread
+0.237%
vs. market APOR
Avg Net Fees
$3,578
Origination − Credits
Pullthrough Rate
80.3%
Applications → Closed
Typical Borrower
Avg Loan Amount
$428,295
Avg Borrower Income
$190,569
Avg Property Value
$611,003
Geographic Coverage
Geographic Performance
Metro Areas
7
markets with activity
States Served
13
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
13Midwest3
ILINMO
South6
ARFLNCOKSCTX
West4
AZCACOWA
Top Metro Areas by Place Specialization Score
Volume 230Mix 37.52% of portfolio
77/100
Strong
Volume 146Mix 23.82% of portfolio
77/100
Strong
3© No machine-readable author provided. Billy Hathorn assumed (based on copyright claims). · CC BY-SA 3.0Fort Worth, TXMetro
Volume 111Mix 18.11% of portfolio
73/100
Strong
Volume 31Mix 5.06% of portfolio
64/100
Strong
Volume 16Mix 2.61% of portfolio
55/100
Sound
Volume 13Mix 2.12% of portfolio
43/100
Sound
Volume 13Mix 2.12% of portfolio
41/100
SoundTop States by Place Specialization Score
1
TexasState
Volume 593Mix 96.74% of portfolio
79/100
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.