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FIRST CONTINENTAL MORTGAGE, LTD.
Independent Mortgage Company|HOUSTON, TX|Multi-Region
Loans Originated
765
Applications
820
Volume
$280 million
Offers loans directly to consumersSources loans from independent brokers
Overall Pricing
Exceptional
Overall Pull Through
Strong
Safe Rate Awards💎FHA Champion💎VA Champion💎Purchase Champion
Pricing and Pullthrough Overview
Average Rate Spread
-0.580%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$488
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
93.3%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Offers rates 58.00 basis points below market average
- Lower than average lender fees
- Strong pull through performance
- Particularly strong in FHA and VA loans
Report Card
FIRST CONTINENTAL MORTGAGE, LTD. performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Exceptional | Market Leader | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Acceptable | Near industry average | |
FHA | Strong | Highly Competitive | |
VA | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Places Geographic coverage | Strong | Multi-Regional · 11 metro areas · 8 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$366,922
Average Borrower Income
$132,193
Average Property Value
$392,046
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Acceptable | Exceptional | Sound | 79 | 10.3% | -0.097% | $717 |
FHA Loans | Exceptional | Strong | Exceptional | Exceptional | 457 | 59.7% | -0.519% | $395 |
VA Loans | Exceptional | Strong | Exceptional | Exceptional | 228 | 29.8% | -0.965% | $661 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Exceptional | Strong | Exceptional | Exceptional | 762 | 99.6% | -0.582% | $468 |
Geographic Coverage
Metro Areas
11
States Served
8
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
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Top Metro Areas by Place Specialization Score
1
Savannah, GA, GAMSA
Volume: 79Mix: 10.33%
Place Specialization
Exceptional
2
Killeen, TXMSA
Volume: 108Mix: 14.12%
Place Specialization
Strong
3
Fort Worth, TXMSA
Volume: 117Mix: 15.29%
Place Specialization
Strong
4
Dallas, TXMSA
Volume: 167Mix: 21.83%
Place Specialization
Strong
5
Houston, TXMSA
Volume: 93Mix: 12.16%
Place Specialization
Strong
6
San Antonio, TXMSA
Volume: 55Mix: 7.19%
Place Specialization
Sound
7
Marietta, GA, GAMSA
Volume: 34Mix: 4.44%
Place Specialization
Sound
8
Austin, TXMSA
Volume: 30Mix: 3.92%
Place Specialization
Sound
9
Tacoma, WAMSA
Volume: 21Mix: 2.75%
Place Specialization
Sound
10
Sherman, TXMSA
Volume: 15Mix: 1.96%
Place Specialization
Sound
Showing 10 of 11 metro areas
Top States by Place Specialization Score
1
TXState
Volume: 586Mix: 76.60%
Place Specialization
Strong
2
GAState
Volume: 132Mix: 17.25%
Place Specialization
Strong
3
WAState
Volume: 23Mix: 3.01%
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.
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