Looking for a different lender?
F
FIRST COMMUNITY
Credit Union|Coquille, OR|Regional
Loans Originated
367
Applications
805
Volume
$153 million
Offers loans directly to consumers
Overall Pull Through
Sound
Pricing and Pullthrough Overview
Pullthrough Rate
45.6%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Particularly strong in Conventional and Jumbo loans
Report Card
FIRST COMMUNITY performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | N/A | No data available | |
Pull Through Closing Strength | Sound | Industry Standard | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
Jumbo | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Sound | Industry Standard | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Strong | Regional · 7 metro areas · 4 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$418,106
Average Borrower Income
$196,104
Average Property Value
$588,787
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Strong | N/A | Sound | 346 | 94.3% | -1.342% | $2,430 |
Jumbo Loans | Sound | Strong | N/A | Sound | 21 | 5.7% | — | — |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Acceptable | Sound | N/A | Acceptable | 225 | 61.3% | -1.120% | $3,000 |
Refinance | Strong | Strong | N/A | Strong | 142 | 38.7% | -1.454% | $2,145 |
Geographic Coverage
Metro Areas
6
States Served
4
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
AZIDORWA
Top Metro Areas by Place Specialization Score
1
Bend, OR, ORMSA
Volume: 42Mix: 11.44%
Place Specialization
Strong
2
Grants Pass, OR, ORMSA
Volume: 29Mix: 7.90%
Place Specialization
Strong
3
Medford, OR, ORMSA
Volume: 46Mix: 12.53%
Place Specialization
Strong
4
Portland, OR-WAMSA
Volume: 75Mix: 20.44%
Place Specialization
Strong
5
Eugene, ORMSA
Volume: 21Mix: 5.72%
Place Specialization
Sound
6
Salem, OR, ORMSA
Volume: 15Mix: 4.09%
Place Specialization
Sound
Top States by Place Specialization Score
1
ORState
Volume: 348Mix: 94.82%
Place Specialization
Exceptional
2
WAState
Volume: 11Mix: 3.00%
Place Specialization
Sound
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 with other lenders or get personalized recommendations.