What loan types does First Community Bank offer?

First Community Bank offers the following mortgage loan types: FHA, Conventional, VA, Jumbo. Each product has its own pricing score and performance metrics.

Where does First Community Bank offer mortgages?

First Community Bank offers mortgages in 8 states: FL, GA, NC, OK, SC, UT, VA, WI.

How competitive are First Community Bank's mortgage rates?

First Community Bank has an overall pricing score of 40.1/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is First Community Bank?

First Community Bank is a Bank headquartered in Lexington, SC.

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First Community Bank

Bank•Lexington, SCHQ•Direct•Reviews near you on Google

First Community Bank has 309 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Sound

3/5

vs. all lenders

Pull-through

Strong

4/5

closing strength

Product

Strong

4/5

FHA · Conventional · VA · Jumbo

Place

Strong

4/5

Multi-Region · 5 mkts

Summary

What They Do Well

Strong pull through performance

Explore another lender or local market

Report Card

First Community Bank performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Sound

+25.0 bps above market avg

Pull Through

Closing strength

Strong

Top 40% of lenders

By Loan Product· Specialization by type

Conventional

Sound

Top 60% of lenders

FHA

Sound

Top 60% of lenders

Sound

Top 60% of lenders

Jumbo

Strong

Top 40% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Sound

Top 60% of lenders

Refinance

Acceptable

Bottom 40% of lenders

By Location· Geographic coverage

Geographic Reach

Multi-Regional · 6 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	Sound	Sound	Sound	Sound	241	78.0%	+0.224%Above	$2,645Fees
FHA Loans	Sound	Sound	Acceptable	Sound	37	12.0%	+0.590%Above	$3,020Fees
VA Loans	Sound	Sound	—	—	16	5.2%	-0.127%Below	$2,261Fees
Jumbo Loans	Strong	Strong	—	Strong	14	4.5%	+0.438%Above	$4,273Fees

Conventional

Overall

Sound

Product

Sound

Pricing

Sound

Pull Through

Sound

Volume241

Mix78.0%

Spread

+0.224%Above

Fees

$2,645Fees

FHA Loans

Overall

Sound

Product

Sound

Pricing

Acceptable

Pull Through

Sound

Volume37

Mix12.0%

Spread

+0.590%Above

Fees

$3,020Fees

VA Loans

Overall

Sound

Product

Sound

Pricing—

Pull Through—

Volume16

Mix5.2%

Spread

-0.127%Below

Fees

$2,261Fees

Jumbo Loans

Overall

Strong

Product

Strong

Pricing—

Pull Through

Strong

Volume14

Mix4.5%

Spread

+0.438%Above

Fees

$4,273Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Sound	Acceptable	Sound	294	95.1%	+0.251%Above	$2,705Fees
Refinance	Acceptable	Acceptable	—	Sound	15	4.9%	+0.233%Above	$2,493Fees

Purchase

Overall

Sound

Product

Sound

Pricing

Acceptable

Pull Through

Sound

Volume294

Mix95.1%

Spread

+0.251%Above

Fees

$2,705Fees

Refinance

Overall

Acceptable

Product

Acceptable

Pricing—

Pull Through

Sound

Volume15

Mix4.9%

Spread

+0.233%Above

Fees

$2,493Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

309

Applications

403

Volume

$115 million

Pricing & Closing

Avg Rate Spread

+0.250%

vs. market APOR

Avg Net Fees

$2,691

Origination − Credits

Pullthrough Rate

76.7%

Applications → Closed

Typical Borrower

Avg Loan Amount

$373,964

Avg Borrower Income

$165,550

Avg Property Value

$513,641

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

Midwest1

South6

FLGANCOKSCVA

West1

Top Metro Areas by Place Specialization Score

Columbia, SCMetro

Volume 134Mix 43.37% of portfolio

84/100

Exceptional

Greenville, SCMetro

Volume 65Mix 21.04% of portfolio

73/100

Strong

Augusta, GA-SCMetro

Volume 28Mix 9.06% of portfolio

61/100

Strong

Charlotte, NC-SCMetro

Volume 22Mix 7.12% of portfolio

52/100

Sound

Spartanburg, SCMetro

Volume 13Mix 4.21% of portfolio

49/100

Sound

Top States by Place Specialization Score

South CarolinaState

Volume 273Mix 88.35% of portfolio

82/100

Exceptional

GeorgiaState

Volume 19Mix 6.15% of portfolio

46/100

Sound

North CarolinaState

Volume 12Mix 3.88% of portfolio

40/100

Sound

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)

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.