What loan types does First State Community Bank offer?

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

Where does First State Community Bank offer mortgages?

First State Community Bank offers mortgages in 3 states: AZ, KY, MO.

How competitive are First State Community Bank's mortgage rates?

First State Community Bank has an overall pricing score of 64.3/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is First State Community Bank?

First State Community Bank is a Bank headquartered in Farmington, MO.

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First State Community Bank

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We analyzed every closed loan from First State Community Bank — 594 loans across 1k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Strong

4/5

vs. all lenders

Pull-through

Acceptable

2/5

closing strength

Product

Strong

4/5

FHA · Conventional · USDA

Place

Strong

4/5

Regional · 3 mkts

Awards

Conventional

Superstar

USDA

Superstar

Purchase

Superstar

Summary

What They Do Well

Competitive pricing compared to the market
Lower than average lender fees
Particularly strong in Conventional and USDA loans

Things to Think About

Pull through efficiency is below industry average

Explore another lender or local market

Report Card

First State Community Bank performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Strong

+3.0 bps above market avg

Pull Through

Closing strength

Acceptable

Bottom 40% of lenders

By Loan Product· Specialization by type

Conventional

Strong

Top 40% of lenders

FHA

Sound

Top 60% of lenders

USDA

Strong

Top 40% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Strong

Top 40% of lenders

Refinance

Sound

Top 60% of lenders

By Location· Geographic coverage

Geographic Reach

Regional · 4 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	Strong	Strong	Strong	Sound	525	88.4%	-0.016%Below	$1,032Fees
FHA Loans	Sound	Sound	Sound	Acceptable	32	5.4%	+0.782%Above	$1,681Fees
USDA Loans	Strong	Strong	Exceptional	Sound	35	5.9%	+0.031%Above	$1,149Fees

Conventional

Overall

Strong

Product

Strong

Pricing

Strong

Pull Through

Sound

Volume525

Mix88.4%

Spread

-0.016%Below

Fees

$1,032Fees

FHA Loans

Overall

Sound

Product

Sound

Pricing

Sound

Pull Through

Acceptable

Volume32

Mix5.4%

Spread

+0.782%Above

Fees

$1,681Fees

USDA Loans

Overall

Strong

Product

Strong

Pricing

Exceptional

Pull Through

Sound

Volume35

Mix5.9%

Spread

+0.031%Above

Fees

$1,149Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Strong	Strong	Strong	Sound	468	78.8%	+0.029%Above	$1,084Fees
Refinance	Sound	Sound	Sound	Sound	126	21.2%	+0.034%Above	$1,031Fees

Purchase

Overall

Strong

Product

Strong

Pricing

Strong

Pull Through

Sound

Volume468

Mix78.8%

Spread

+0.029%Above

Fees

$1,084Fees

Refinance

Overall

Sound

Product

Sound

Pricing

Sound

Pull Through

Sound

Volume126

Mix21.2%

Spread

+0.034%Above

Fees

$1,031Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

594

Applications

1,116

Volume

$121 million

Pricing & Closing

Avg Rate Spread

+0.030%

vs. market APOR

Avg Net Fees

$1,072

Origination − Credits

Pullthrough Rate

53.2%

Applications → Closed

Typical Borrower

Avg Loan Amount

$205,370

Avg Borrower Income

$106,759

Avg Property Value

$298,434

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

Midwest1

South1

West1

Top Metro Areas by Place Specialization Score

Cape Girardeau, MO, MO-ILMetro

Volume 83Mix 13.97% of portfolio

100/100

Exceptional

St. Louis, MO, MO-ILMetro

Volume 143Mix 24.07% of portfolio

74/100

Strong

Columbia, MOMetro

Volume 16Mix 2.69% of portfolio

50/100

Sound

Top States by Place Specialization Score

MissouriState

Volume 592Mix 99.66% of portfolio

83/100

Exceptional

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.