What loan types does First Peoples Community Federal Credit Union offer?

First Peoples Community Federal Credit Union offers the following mortgage loan types: Conventional. Each product has its own pricing score and performance metrics.

Where does First Peoples Community Federal Credit Union offer mortgages?

First Peoples Community Federal Credit Union offers mortgages in 4 states: MD, PA, SC, WV.

How competitive are First Peoples Community Federal Credit Union's mortgage rates?

First Peoples Community Federal Credit Union has an overall pricing score of 85.4/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is First Peoples Community Federal Credit Union?

First Peoples Community Federal Credit Union is a Credit Union headquartered in CUMBERLAND, MD.

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First Peoples Community Federal Credit Union

Credit Union•Cumberland, MDHQ•Direct•Reviews near you on Google

First Peoples Community Federal Credit Union has 192 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

Pricing

Exceptional

5/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Sound

3/5

Conventional

Place

Active

Regional

Awards

Refinance

Superstar

Summary

What They Do Well

Offers rates 37.50 basis points below market average
Lower than average lender fees

Explore another lender or local market

Report Card

First Peoples Community Federal Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Exceptional

Rates 37.5 bps below market avg

Pull Through

Closing strength

Sound

Top 60% of lenders

By Loan Product· Specialization by type

Conventional

Sound

Top 60% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Acceptable

Bottom 40% of lenders

Refinance

Sound

Top 60% of lenders

By Location· Geographic coverage

Geographic Reach

Regional · 1 markets

Strong

Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Sound	Exceptional	Sound	191	99.5%	-0.376%Below	$902Fees

Conventional

Overall

Sound

Product

Sound

Pricing

Exceptional

Pull Through

Sound

Volume191

Mix99.5%

Spread

-0.376%Below

Fees

$902Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Acceptable	Exceptional	Acceptable	145	75.5%	-0.444%Below	$1,032Fees
Refinance	Sound	Sound	Exceptional	Sound	47	24.5%	-0.140%Below	$500Fees

Purchase

Overall

Sound

Product

Acceptable

Pricing

Exceptional

Pull Through

Acceptable

Volume145

Mix75.5%

Spread

-0.444%Below

Fees

$1,032Fees

Refinance

Overall

Sound

Product

Sound

Pricing

Exceptional

Pull Through

Sound

Volume47

Mix24.5%

Spread

-0.140%Below

Fees

$500Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

192

Applications

247

Volume

$31 million

Pricing & Closing

Avg Rate Spread

-0.375%

vs. market APOR

Avg Net Fees

$911

Origination − Credits

Pullthrough Rate

77.7%

Applications → Closed

Typical Borrower

Avg Loan Amount

$164,323

Avg Borrower Income

$119,359

Avg Property Value

$217,772

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

N/A

States with Loan Originations

Northeast1

South3

MDSCWV

Top States by Place Specialization Score

MarylandState

Volume 112Mix 58.33% of portfolio

70/100

Strong

West VirginiaState

Volume 33Mix 17.19% of portfolio

61/100

Strong

PennsylvaniaState

Volume 46Mix 23.96% of portfolio

58/100

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.