First Central Savings Bank has 252 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.
Summary
What They Do Well
- Strong pull through performance
Things to Think About
- Rates typically 145 basis points above market average
- Higher than average fees ($5,448)
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Report Card
First Central Savings Bank performance at a glance
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 240 | 95.2% | +1.448%Above | $5,388Fees | ||||
Jumbo Loans | — | — | 12 | 4.8% | +1.619%Above | $7,275Fees |
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 242 | 96.0% | +1.448%Above | $5,414Fees | ||||
Refinance | — | — | 10 | 4.0% | +1.576%Above | $6,220Fees |
At a Glance
Lender Overview
Geographic Coverage
Geographic Performance
States with Loan Originations
17Top Metro Areas by Place Specialization Score
Top States by Place Specialization Score
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)
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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