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First State Community Bank
Bank|Farmington, MO|Regional
Loans Originated
594
Applications
1,116
Volume
$121 million
Offers loans directly to consumers
Overall Pricing
Strong
Overall Pull Through
Acceptable
Safe Rate Awards⭐Conventional Superstar⭐USDA Superstar⭐Purchase Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.030%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$1,072
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
53.2%
Percentage of applications that result in closed loans
Safe Rate's 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
Report Card
First State Community Bank performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Strong | Highly Competitive | |
Pull Through Closing Strength | Acceptable | Near industry average | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
FHA | Sound | Industry Standard | |
USDA | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Sound | Industry Standard | |
Places Geographic coverage | Strong | Regional · 4 metro areas · 3 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$205,370
Average Borrower Income
$106,759
Average Property Value
$298,434
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% | $1,032 |
FHA Loans | Sound | Sound | Sound | Acceptable | 32 | 5.4% | +0.782% | $1,681 |
USDA Loans | Strong | Strong | Exceptional | Sound | 35 | 5.9% | +0.031% | $1,149 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Strong | Strong | Strong | Sound | 468 | 78.8% | +0.029% | $1,084 |
Refinance | Sound | Sound | Sound | Sound | 126 | 21.2% | +0.034% | $1,031 |
Geographic Coverage
Metro Areas
3
States Served
3
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
AZKYMO
Top Metro Areas by Place Specialization Score
1
Cape Girardeau, MO, MO-ILMSA
Volume: 83Mix: 13.97%
Place Specialization
Exceptional
2
St. Louis, MO, MO-ILMSA
Volume: 143Mix: 24.07%
Place Specialization
Strong
3
Columbia, MO, MOMSA
Volume: 16Mix: 2.69%
Place Specialization
Sound
Top States by Place Specialization Score
1
MOState
Volume: 592Mix: 99.66%
Place Specialization
Exceptional
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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