What loan types does First Community Mortgage offer?

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

Where does First Community Mortgage offer mortgages?

First Community Mortgage is a national lender offering mortgages in all 50 states plus Washington D.C.

How competitive are First Community Mortgage's mortgage rates?

First Community Mortgage has an overall pricing score of 30.5/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is First Community Mortgage?

First Community Mortgage is a Independent Mortgage Company headquartered in NASHVILLE, TN.

Unclaimed

First Community Mortgage

Independent Mortgage Company•Nashville, TNHQ•Direct & Wholesale•Reviews near you on Google

We analyzed every closed loan from First Community Mortgage — 9.8k loans across 12k 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

Exceptional

5/5

closing strength

Product

Exceptional

5/5

FHA · Conventional · VA · Jumbo · USDA

Place

Strong

4/5

National · 49 mkts

Awards

Conventional

Superstar

FHA

Superstar

USDA

Superstar

Purchase

Superstar

Refinance

Superstar

Summary

What They Do Well

Strong pull through performance
Particularly strong in Conventional and FHA and VA and Jumbo and USDA loans
Nationwide availability with consistent service

Things to Think About

Pricing may be below industry average

Explore another lender or local market

Report Card

First Community Mortgage performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Acceptable

+42.9 bps above market avg

Pull Through

Closing strength

Exceptional

Top 20% of lenders

By Loan Product· Specialization by type

Conventional

Exceptional

Top 20% of lenders

FHA

Exceptional

Top 20% of lenders

Exceptional

Top 20% of lenders

Jumbo

Strong

Top 40% of lenders

USDA

Exceptional

Top 10% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Exceptional

Top 20% of lenders

Refinance

Strong

Top 40% of lenders

By Location· Geographic coverage

Geographic Reach

National · 50 markets

Strong

Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Strong	Exceptional	Acceptable	Strong	5,870	59.7%	+0.391%Above	$2,745Fees
FHA Loans	Strong	Exceptional	Acceptable	Exceptional	2,676	27.2%	+0.690%Above	$3,165Fees
VA Loans	Strong	Exceptional	Acceptable	Exceptional	824	8.4%	-0.146%Below	$2,486Fees
Jumbo Loans	Sound	Strong	Mediocre	Strong	64	0.7%	+0.634%Above	$2,701Fees
USDA Loans	Strong	Exceptional	Sound	Exceptional	406	4.1%	+0.234%Above	$2,182Fees

Conventional

Overall

Strong

Product

Exceptional

Pricing

Acceptable

Pull Through

Strong

Volume5,870

Mix59.7%

Spread

+0.391%Above

Fees

$2,745Fees

FHA Loans

Overall

Strong

Product

Exceptional

Pricing

Acceptable

Pull Through

Exceptional

Volume2,676

Mix27.2%

Spread

+0.690%Above

Fees

$3,165Fees

VA Loans

Overall

Strong

Product

Exceptional

Pricing

Acceptable

Pull Through

Exceptional

Volume824

Mix8.4%

Spread

-0.146%Below

Fees

$2,486Fees

Jumbo Loans

Overall

Sound

Product

Strong

Pricing

Mediocre

Pull Through

Strong

Volume64

Mix0.7%

Spread

+0.634%Above

Fees

$2,701Fees

USDA Loans

Overall

Strong

Product

Exceptional

Pricing

Sound

Pull Through

Exceptional

Volume406

Mix4.1%

Spread

+0.234%Above

Fees

$2,182Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Strong	Exceptional	Acceptable	Strong	8,458	86.0%	+0.458%Above	$2,781Fees
Refinance	Strong	Strong	Acceptable	Strong	1,382	14.0%	+0.276%Above	$3,011Fees

Purchase

Overall

Strong

Product

Exceptional

Pricing

Acceptable

Pull Through

Strong

Volume8,458

Mix86.0%

Spread

+0.458%Above

Fees

$2,781Fees

Refinance

Overall

Strong

Product

Strong

Pricing

Acceptable

Pull Through

Strong

Volume1,382

Mix14.0%

Spread

+0.276%Above

Fees

$3,011Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

9,840

Applications

12,222

Volume

$2 billion

Pricing & Closing

Avg Rate Spread

+0.429%

vs. market APOR

Avg Net Fees

$2,818

Origination − Credits

Pullthrough Rate

80.5%

Applications → Closed

Typical Borrower

Avg Loan Amount

$293,361

Avg Borrower Income

$116,450

Avg Property Value

$364,373

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

Northeast8

CTMEMANHNJPARIVT

Midwest12

IAILINKSMIMNMONDNEOHSDWI

South17

ALARDCDEFLGAKYLAMDMSNCOKSCTNTXVAWV

West11

AZCACOIDMTNMNVORUTWAWY

Top Metro Areas by Place Specialization Score

1© Warren LeMay from Cincinnati, OH, United States · CC0

Cincinnati, OHMetro

Volume 687Mix 6.98% of portfolio

90/100

Exceptional

2© Quintin Soloviev · CC BY 4.0

Nashville, TNMetro

Volume 683Mix 6.94% of portfolio

88/100

Exceptional

3© Quintin Soloviev · CC BY 4.0

Midland, MIMetro

Volume 67Mix 0.68% of portfolio

82/100

Exceptional

Lafayette, LAMetro

Volume 140Mix 1.42% of portfolio

79/100

Strong

Virginia Beach, VA-NCMetro

Volume 339Mix 3.45% of portfolio

79/100

Strong

Jackson, TNMetro

Volume 132Mix 1.34% of portfolio

77/100

Strong

Clarksville, TN, TN-KYMetro

Volume 138Mix 1.40% of portfolio

76/100

Strong

Knoxville, TNMetro

Volume 270Mix 2.74% of portfolio

76/100

Strong

Atlanta, GAMetro

Volume 338Mix 3.43% of portfolio

74/100

Strong

Lake County, INMetro

Volume 103Mix 1.05% of portfolio

74/100

Strong

Showing 10 of 49 metro areas

Top States by Place Specialization Score

TennesseeState

Volume 2,186Mix 22.22% of portfolio

93/100

Exceptional

OhioState

Volume 999Mix 10.15% of portfolio

80/100

Strong

MichiganState

Volume 917Mix 9.32% of portfolio

79/100

Strong

AlabamaState

Volume 379Mix 3.85% of portfolio

77/100

Strong

VirginiaState

Volume 524Mix 5.33% of portfolio

77/100

Strong

GeorgiaState

Volume 585Mix 5.95% of portfolio

75/100

Strong

IndianaState

Volume 551Mix 5.60% of portfolio

75/100

Strong

PennsylvaniaState

Volume 449Mix 4.56% of portfolio

73/100

Strong

LouisianaState

Volume 321Mix 3.26% of portfolio

73/100

Strong

FloridaState

Volume 626Mix 6.36% of portfolio

70/100

Strong

Showing 10 of 35 states

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.