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FIRST COMMUNITY CREDIT UNION
Credit Union|JAMESTOWN, ND|Regional
Loans Originated
354
Applications
1,056
Volume
$73 million
Offers loans directly to consumers
Overall Pricing
Strong
Overall Pull Through
Sound
Safe Rate Awards⭐Conventional Superstar⭐FHA Superstar⭐Refinance Superstar
Pricing and Pullthrough Overview
Average Rate Spread
-0.162%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$2,292
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
33.5%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Offers rates 16.20 basis points below market average
- Particularly strong in Conventional and FHA and VA loans
Report Card
FIRST COMMUNITY CREDIT UNION performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Strong | Highly Competitive | |
Pull Through Closing Strength | Sound | Industry Standard | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
FHA | Strong | Highly Competitive | |
VA | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Strong | Regional · 4 metro areas · 2 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$208,588
Average Borrower Income
$99,842
Average Property Value
$283,023
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Strong | Strong | Strong | Sound | 282 | 79.7% | -0.106% | $2,345 |
FHA Loans | Strong | Strong | Exceptional | Sound | 45 | 12.7% | -0.285% | $1,754 |
VA Loans | Sound | Strong | N/A | Sound | 18 | 5.1% | -0.895% | $2,983 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Strong | Strong | Acceptable | 283 | 79.9% | -0.229% | $2,434 |
Refinance | Strong | Strong | Strong | Strong | 71 | 20.1% | +0.124% | $1,685 |
Geographic Coverage
Metro Areas
3
States Served
2
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
MNND
Top Metro Areas by Place Specialization Score
1
Fargo, ND, ND-MNMSA
Volume: 101Mix: 28.53%
Place Specialization
Exceptional
2
Grand Forks, ND, ND-MNMSA
Volume: 34Mix: 9.60%
Place Specialization
Strong
3
Bismarck, ND, NDMSA
Volume: 27Mix: 7.63%
Place Specialization
Strong
Top States by Place Specialization Score
1
NDState
Volume: 288Mix: 81.36%
Place Specialization
Exceptional
2
MNState
Volume: 66Mix: 18.64%
Place Specialization
Strong
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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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