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First Community

Credit Union•Coquille, ORHQ•Direct•Reviews near you on Google

First Community has 367 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pull-through
Sound
3/5
closing strength
Product
Strong
4/5
Conventional · Jumbo
Place
Strong
4/5
Regional · 6 mkts

Safe Rate Summary

What They Do Well

  • Particularly strong in Conventional and Jumbo loans

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Report Card

First Community performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
No peer data
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
Jumbo
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Top 60% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Regional · 7 markets
Strong
Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Sound
Product
Strong
Pricing—
Pull Through
Sound
Volume346
Mix94.3%
Spread
-1.342%Below
Fees
$2,430Fees
Jumbo Loans
Overall
Strong
Product
Strong
Pricing—
Pull Through
Sound
Volume21
Mix5.7%
Spread—
Fees—

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Sound
Pricing—
Pull Through
Acceptable
Volume225
Mix61.3%
Spread
-1.120%Below
Fees
$3,000Fees
Refinance
Overall
Strong
Product
Strong
Pricing—
Pull Through
Strong
Volume142
Mix38.7%
Spread
-1.454%Below
Fees
$2,145Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
367
Applications
805
Volume
$153 million
Pricing & Closing
Pullthrough Rate
45.6%
Applications → Closed
Typical Borrower
Avg Loan Amount
$418,106
Avg Borrower Income
$196,104
Avg Property Value
$588,787

Geographic Coverage

Geographic Performance

Metro Areas
6
markets with activity
States Served
4
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

4
4 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
West4
AZIDORWA

Top Metro Areas by Place Specialization Score

1© Ian Poellet · CC BY-SA 3.0
Bend, ORMetro
Volume 42Mix 11.44% of portfolio
76/100
Strong
2© Nicolas from Paris, France · CC BY-SA 2.0
Grants Pass, ORMetro
Volume 29Mix 7.90% of portfolio
71/100
Strong
3© ZabMilenko at English Wikipedia · CC BY-SA 3.0
Medford, ORMetro
Volume 46Mix 12.53% of portfolio
71/100
Strong
4© Seasider53 · CC BY 4.0
Portland, OR-WAMetro
Volume 75Mix 20.44% of portfolio
67/100
Strong
5© Jsayre64 · CC BY-SA 3.0
Eugene, ORMetro
Volume 21Mix 5.72% of portfolio
56/100
Sound
6© No machine-readable author provided. Owen assumed · Public domain
Salem, ORMetro
Volume 15Mix 4.09% of portfolio
51/100
Sound

Top States by Place Specialization Score

Oregon
Oregon
1
OregonState
Volume 348Mix 94.82% of portfolio
85/100
Exceptional
Washington
Washington
2
WashingtonState
Volume 11Mix 3.00% of portfolio
41/100
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.