What loan types does First Community offer?

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

Where does First Community offer mortgages?

First Community offers mortgages in 4 states: AZ, ID, OR, WA.

What type of lender is First Community?

First Community is a Credit Union headquartered in Coquille, OR.

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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.

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

Promptness

Not enough data

—/5

No quote responses measured yet

Summary

What They Do Well

Particularly strong in Conventional and Jumbo loans

Explore another lender or local market

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

3/5

By Loan Product· Specialization by type

Conventional

346 loans · 1.34% below market

Strong

Top 40% of lenders

4/5

Jumbo

21 loans

Strong

Top 40% of lenders

4/5

By Loan Purpose· Transaction purpose mix

Purchase

225 loans · 1.12% below market

Sound

Top 60% of lenders

3/5

Refinance

142 loans · 1.45% below market

Strong

Top 40% of lenders

4/5

By Location· Geographic coverage

Geographic Reach

Regional · 7 markets

Strong

Top 40% of lenders

4/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Strong	—	Sound	346	94.3%	-1.342%Below	$2,430Fees
Jumbo Loans	Strong	Strong	—	Sound	21	5.7%	—	—

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

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Sound	—	Acceptable	225	61.3%	-1.120%Below	$3,000Fees
Refinance	Strong	Strong	—	Strong	142	38.7%	-1.454%Below	$2,145Fees

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

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

4Full-year 2024 · HMDA

Loans originated

< 1010+None

West4

AZIDORWA

Top Metro Areas by Place Specialization Score

Bend, ORMetro

Volume 42Mix 11.44% of portfolio

76/100

Strong

Grants Pass, ORMetro

Volume 29Mix 7.90% of portfolio

71/100

Strong

Medford, ORMetro

Volume 46Mix 12.53% of portfolio

71/100

Strong

Portland, OR-WAMetro

Volume 75Mix 20.44% of portfolio

67/100

Strong

Eugene, ORMetro

Volume 21Mix 5.72% of portfolio

56/100

Sound

Salem, ORMetro

Volume 15Mix 4.09% of portfolio

51/100

Sound

Top States by Place Specialization Score

OregonState

Volume 348Mix 94.82% of portfolio

85/100

Exceptional

WashingtonState

Volume 11Mix 3.00% of portfolio

41/100

Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps: Pricing, Product, Pull-Through, Place, and Promptness. Promptness measures how quickly a lender answers real shopper quote requests; a lender with none measured yet is counted at an estimate.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary Safe Rate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

Looking for a different lender?

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.