Looking for a different lender?
F
FIRST COMMUNITY MORTGAGE, INC.
Independent Mortgage Company|NASHVILLE, TN|National
Loans Originated
9,840
Applications
12,222
Volume
$2 billion
Offers loans directly to consumersSources loans from independent brokers
Overall Pricing
Acceptable
Overall Pull Through
Exceptional
Safe Rate Awards⭐FHA Superstar⭐VA Superstar⭐USDA Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.429%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$2,818
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
80.5%
Percentage of applications that result in closed loans
Safe Rate's 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
Report Card
FIRST COMMUNITY MORTGAGE, INC. performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Acceptable | Near industry average | |
Pull Through Closing Strength | Exceptional | Market Leader | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Exceptional | Market Leader | |
FHA | Exceptional | Market Leader | |
VA | Exceptional | Market Leader | |
Jumbo | Strong | Highly Competitive | |
USDA | Exceptional | Market Leader | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Exceptional | Market Leader | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Strong | National · 50 metro areas · 48 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$293,361
Average Borrower Income
$116,450
Average Property Value
$364,373
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Exceptional | Acceptable | Strong | 5,870 | 59.7% | +0.391% | $2,745 |
FHA Loans | Strong | Exceptional | Acceptable | Exceptional | 2,676 | 27.2% | +0.690% | $3,165 |
VA Loans | Strong | Exceptional | Acceptable | Exceptional | 824 | 8.4% | -0.146% | $2,486 |
Jumbo Loans | Sound | Strong | Mediocre | Strong | 64 | 0.7% | +0.634% | $2,701 |
USDA Loans | Strong | Exceptional | Sound | Exceptional | 406 | 4.1% | +0.234% | $2,182 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Exceptional | Acceptable | Strong | 8,458 | 86.0% | +0.458% | $2,781 |
Refinance | Sound | Strong | Acceptable | Strong | 1,382 | 14.0% | +0.276% | $3,011 |
Geographic Coverage
Metro Areas
49
States Served
48
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
ALARAZCACOCTDCDEFLGAIAIDILINKSKYLAMAMDMEMIMNMOMSMTNCNDNENHNJNMNVOHOKORPARISCSDTNTXUTVAVTWAWIWVWY
Top Metro Areas by Place Specialization Score
1
Cincinnati, OHMSA
Volume: 687Mix: 6.98%
Place Specialization
Exceptional
2
Nashville, TNMSA
Volume: 683Mix: 6.94%
Place Specialization
Exceptional
3
Midland, MI, MIMSA
Volume: 67Mix: 0.68%
Place Specialization
Exceptional
4
Lafayette, LA, LAMSA
Volume: 140Mix: 1.42%
Place Specialization
Strong
5
Virginia Beach, VA-NCMSA
Volume: 339Mix: 3.45%
Place Specialization
Strong
6
Jackson, TN, TNMSA
Volume: 132Mix: 1.34%
Place Specialization
Strong
7
Clarksville, TN, TN-KYMSA
Volume: 138Mix: 1.40%
Place Specialization
Strong
8
Knoxville, TN, TNMSA
Volume: 270Mix: 2.74%
Place Specialization
Strong
9
Atlanta, GAMSA
Volume: 338Mix: 3.43%
Place Specialization
Strong
10
Lake County, INMSA
Volume: 103Mix: 1.05%
Place Specialization
Strong
Showing 10 of 49 metro areas
Top States by Place Specialization Score
1
TNState
Volume: 2,186Mix: 22.22%
Place Specialization
Exceptional
2
OHState
Volume: 999Mix: 10.15%
Place Specialization
Strong
3
MIState
Volume: 917Mix: 9.32%
Place Specialization
Strong
4
ALState
Volume: 379Mix: 3.85%
Place Specialization
Strong
5
VAState
Volume: 524Mix: 5.33%
Place Specialization
Strong
6
GAState
Volume: 585Mix: 5.95%
Place Specialization
Strong
7
INState
Volume: 551Mix: 5.60%
Place Specialization
Strong
8
PAState
Volume: 449Mix: 4.56%
Place Specialization
Strong
9
LAState
Volume: 321Mix: 3.26%
Place Specialization
Strong
10
FLState
Volume: 626Mix: 6.36%
Place Specialization
Strong
Showing 10 of 35 states
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.
Ready to Get Started?
Compare FIRST COMMUNITY MORTGAGE, INC. with other lenders or get personalized recommendations.