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FirstBank
Bank|Lakewood, CO|Regional
Loans Originated
985
Applications
1,513
Volume
$549 million
Offers loans directly to consumers
Overall Pricing
Sound
Overall Pull Through
Sound
Safe Rate Awards⭐Jumbo Superstar
Pricing and Pullthrough Overview
Average Rate Spread
-0.276%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$1,217
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
65.1%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Particularly strong in Conventional and Jumbo loans
Report Card
FirstBank performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Sound | Industry Standard | |
Pull Through Closing Strength | Sound | Industry Standard | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
Jumbo | Exceptional | Market Leader | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Strong | Regional · 8 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
$557,832
Average Borrower Income
$235,158
Average Property Value
$894,888
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Strong | Sound | Sound | 811 | 82.3% | -0.294% | $1,316 |
Jumbo Loans | Strong | Exceptional | Sound | Strong | 169 | 17.2% | -0.222% | $736 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Strong | Sound | Sound | 822 | 83.5% | -0.302% | $1,246 |
Refinance | Sound | Strong | Acceptable | Sound | 163 | 16.5% | -0.154% | $1,075 |
Geographic Coverage
Metro Areas
7
States Served
3
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
AZCACO
Top Metro Areas by Place Specialization Score
1
Denver, COMSA
Volume: 493Mix: 50.05%
Place Specialization
Exceptional
2
Fort Collins, COMSA
Volume: 75Mix: 7.61%
Place Specialization
Strong
3
Greeley, CO, COMSA
Volume: 65Mix: 6.60%
Place Specialization
Strong
4
Boulder, CO, COMSA
Volume: 57Mix: 5.79%
Place Specialization
Strong
5
Phoenix, AZMSA
Volume: 83Mix: 8.43%
Place Specialization
Strong
6
Colorado Springs, CO, COMSA
Volume: 44Mix: 4.47%
Place Specialization
Sound
7
Riverside, CAMSA
Volume: 18Mix: 1.83%
Place Specialization
Sound
Top States by Place Specialization Score
1
COState
Volume: 881Mix: 89.44%
Place Specialization
Exceptional
2
AZState
Volume: 84Mix: 8.53%
Place Specialization
Strong
3
CAState
Volume: 20Mix: 2.03%
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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