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First Continental Mortgage

Independent Mortgage Company•Houston, TXHQ•Direct & Wholesale•Reviews near you on Google

We analyzed every closed loan from First Continental Mortgage — 765 loans across 820 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Exceptional
5/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA
Place
Strong
4/5
Multi-Region · 11 mkts
Safe Rate Awards
FHA Champion
FHA
Champion
VA Champion
VA
Champion
Purchase Champion
Purchase
Champion

Safe Rate 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

Explore another lender or local market

Report Card

First Continental Mortgage performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
Rates 58.0 bps below market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Acceptable
Bottom 40% of lenders
FHA
Strong
Top 40% of lenders
VA
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 11 markets
Strong
Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Sound
Product
Acceptable
Pricing
Exceptional
Pull Through
Sound
Volume79
Mix10.3%
Spread
-0.097%Below
Fees
$717Fees
FHA Loans
Overall
Exceptional
Product
Strong
Pricing
Exceptional
Pull Through
Exceptional
Volume457
Mix59.7%
Spread
-0.519%Below
Fees
$395Fees
VA Loans
Overall
Exceptional
Product
Strong
Pricing
Exceptional
Pull Through
Exceptional
Volume228
Mix29.8%
Spread
-0.965%Below
Fees
$661Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Exceptional
Product
Strong
Pricing
Exceptional
Pull Through
Exceptional
Volume762
Mix99.6%
Spread
-0.582%Below
Fees
$468Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
765
Applications
820
Volume
$280 million
Pricing & Closing
Avg Rate Spread
-0.580%
vs. market APOR
Avg Net Fees
$488
Origination − Credits
Pullthrough Rate
93.3%
Applications → Closed
Typical Borrower
Avg Loan Amount
$366,922
Avg Borrower Income
$132,193
Avg Property Value
$392,046

Geographic Coverage

Geographic Performance

Metro Areas
11
markets with activity
States Served
8
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

8
8 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
South6
ALFLGASCTNTX
West2
COWA

Top Metro Areas by Place Specialization Score

1© Nkon21 · CC BY-SA 4.0
Savannah, GAMetro
Volume 79Mix 10.33% of portfolio
81/100
Exceptional
2© Billy Hathorn · CC BY-SA 3.0
Killeen, TXMetro
Volume 108Mix 14.12% of portfolio
78/100
Strong
3© No machine-readable author provided. Billy Hathorn assumed (based on copyright claims). · CC BY-SA 3.0
Fort Worth, TXMetro
Volume 117Mix 15.29% of portfolio
73/100
Strong
4© Michael Barera · CC BY-SA 4.0
Dallas, TXMetro
Volume 167Mix 21.83% of portfolio
72/100
Strong
5© David Daniel Turner · CC BY 4.0
Houston, TXMetro
Volume 93Mix 12.16% of portfolio
64/100
Strong
6© Medialecent · CC BY 4.0
San Antonio, TXMetro
Volume 55Mix 7.19% of portfolio
59/100
Sound
7© Bubba73 · CC BY-SA 3.0
Marietta, GAMetro
Volume 34Mix 4.44% of portfolio
58/100
Sound
8© Quintin Soloviev · CC BY 4.0
Austin, TXMetro
Volume 30Mix 3.92% of portfolio
54/100
Sound
9© Broran28 · Public domain
Tacoma, WAMetro
Volume 21Mix 2.75% of portfolio
53/100
Sound
10© Renelibrary · CC BY-SA 3.0
Sherman, TXMetro
Volume 15Mix 1.96% of portfolio
53/100
Sound
Showing 10 of 11 metro areas

Top States by Place Specialization Score

Texas
Texas
1
TexasState
Volume 586Mix 76.60% of portfolio
78/100
Strong
Georgia
Georgia
2
GeorgiaState
Volume 132Mix 17.25% of portfolio
66/100
Strong
Washington
Washington
3
WashingtonState
Volume 23Mix 3.01% of portfolio
48/100
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.