What loan types does FIRST COMMUNITY CREDIT UNION offer?

FIRST COMMUNITY CREDIT UNION offers the following mortgage loan types: Conventional. Each product has its own pricing score and performance metrics.

Where does FIRST COMMUNITY CREDIT UNION offer mortgages?

FIRST COMMUNITY CREDIT UNION offers mortgages in 1 states: TX.

How competitive are FIRST COMMUNITY CREDIT UNION's mortgage rates?

FIRST COMMUNITY CREDIT UNION has an overall pricing score of 60/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is FIRST COMMUNITY CREDIT UNION?

FIRST COMMUNITY CREDIT UNION is a Credit Union headquartered in Houston, TX.

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FIRST COMMUNITY CREDIT UNION

Credit Union|Houston, TX|Single State

Loans Originated

231

Applications

369

Volume

$80 million

Offers loans directly to consumers

Overall Pricing

Strong

Overall Pull Through

Sound

Pricing and Pullthrough Overview

Average Rate Spread

-0.184%

The average of the lender's APR minus the market's average APR (APOR)

Average Net Fees

$3,401

Borrower paid Origination Charges - Lender Credits

Pullthrough Rate

62.6%

Percentage of applications that result in closed loans

Safe Rate's Summary

What They Do Well

Offers rates 18.40 basis points below market average

Report Card

FIRST COMMUNITY CREDIT UNION performance at a glance

Category	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	Sound	Industry Standard
Purpose Reason specialization		Specialization score by loan purpose
Purchase	Sound	Industry Standard
Refinance	Sound	Industry Standard
Places Geographic coverage	Strong	Single State · 2 metro areas · 1 states

Rating Scale:

Exceptional (80-100)

Strong (60-79)

Sound (40-59)

Acceptable (20-39)

Mediocre (0-19)

Typical Borrower Profile

Average Loan Amount

$347,165

Average Borrower Income

$166,835

Average Property Value

$464,307

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Sound	Sound	Acceptable	230	99.6%	-0.184%	$3,392

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Sound	Strong	Acceptable	181	78.4%	-0.361%	$3,799
Refinance	Sound	Sound	Sound	Acceptable	50	21.6%	+0.483%	$1,901

Geographic Coverage

Metro Areas

States Served

We count Washington DC as a state

Avg Place Specialization

Strong

States with Loan Originations

Top Metro Areas by Place Specialization Score

Houston, TXMSA

Volume: 202Mix: 87.45%

Place Specialization

Strong

Dallas, TXMSA

Volume: 14Mix: 6.06%

Place Specialization

Sound

Top States by Place Specialization Score

TXState

Volume: 231Mix: 100.00%

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)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

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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