What loan types does FirstBank offer?

FirstBank offers the following mortgage loan types: FHA, Conventional, VA, Jumbo, usda. Each product has its own pricing score and performance metrics.

Where does FirstBank offer mortgages?

FirstBank offers mortgages in 32 states: AL, AR, AZ, CA, CO, FL, GA, IL, IN, KS, KY, LA, MI, MO, MS, NC, NE, NJ, NY, OH, OR, PA, RI, SC, TN, TX, UT, VA, WA, WI, WV, WY.

How competitive are FirstBank's mortgage rates?

FirstBank has an overall pricing score of 49.5/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is FirstBank?

FirstBank is a Bank headquartered in Nashville, TN.

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FirstBank

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We analyzed every closed loan from FirstBank — 3.5k loans across 5k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Sound

3/5

vs. all lenders

Pull-through

Exceptional

5/5

closing strength

Product

Exceptional

5/5

FHA · Conventional · VA · Jumbo · USDA

Place

Strong

4/5

Near-National · 22 mkts

Awards

Conventional

Superstar

FHA

Superstar

Jumbo

Superstar

USDA

Superstar

Purchase

Superstar

Refinance

Superstar

Summary

What They Do Well

Strong pull through performance
Particularly strong in Conventional and FHA and VA and Jumbo and USDA loans
Nationwide availability with consistent service

Explore another lender or local market

Report Card

FirstBank performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Sound

+21.6 bps above market avg

Pull Through

Closing strength

Exceptional

Top 20% of lenders

By Loan Product· Specialization by type

Conventional

Exceptional

Top 20% of lenders

FHA

Exceptional

Top 20% of lenders

Strong

Top 40% of lenders

Jumbo

Exceptional

Top 20% of lenders

USDA

Exceptional

Top 20% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Exceptional

Top 20% of lenders

Refinance

Strong

Top 40% of lenders

By Location· Geographic coverage

Geographic Reach

Near-National · 23 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	Exceptional	Sound	Strong	2,379	68.6%	+0.208%Above	$2,169Fees
FHA Loans	Strong	Exceptional	Sound	Strong	691	19.9%	+0.415%Above	$2,557Fees
VA Loans	Strong	Strong	Strong	Exceptional	247	7.1%	-0.381%Below	$1,540Fees
Jumbo Loans	Strong	Exceptional	Sound	Strong	91	2.6%	+0.258%Above	$1,436Fees
USDA Loans	Strong	Exceptional	Acceptable	Strong	60	1.7%	+0.226%Above	$2,792Fees

Conventional

Overall

Strong

Product

Exceptional

Pricing

Sound

Pull Through

Strong

Volume2,379

Mix68.6%

Spread

+0.208%Above

Fees

$2,169Fees

FHA Loans

Overall

Strong

Product

Exceptional

Pricing

Sound

Pull Through

Strong

Volume691

Mix19.9%

Spread

+0.415%Above

Fees

$2,557Fees

VA Loans

Overall

Strong

Product

Strong

Pricing

Strong

Pull Through

Exceptional

Volume247

Mix7.1%

Spread

-0.381%Below

Fees

$1,540Fees

Jumbo Loans

Overall

Strong

Product

Exceptional

Pricing

Sound

Pull Through

Strong

Volume91

Mix2.6%

Spread

+0.258%Above

Fees

$1,436Fees

USDA Loans

Overall

Strong

Product

Exceptional

Pricing

Acceptable

Pull Through

Strong

Volume60

Mix1.7%

Spread

+0.226%Above

Fees

$2,792Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Strong	Exceptional	Sound	Strong	2,962	85.4%	+0.212%Above	$2,152Fees
Refinance	Sound	Strong	Acceptable	Strong	506	14.6%	+0.241%Above	$2,436Fees

Purchase

Overall

Strong

Product

Exceptional

Pricing

Sound

Pull Through

Strong

Volume2,962

Mix85.4%

Spread

+0.212%Above

Fees

$2,152Fees

Refinance

Overall

Sound

Product

Strong

Pricing

Acceptable

Pull Through

Strong

Volume506

Mix14.6%

Spread

+0.241%Above

Fees

$2,436Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

3,468

Applications

4,590

Volume

$1 billion

Pricing & Closing

Avg Rate Spread

+0.216%

vs. market APOR

Avg Net Fees

$2,195

Origination − Credits

Pullthrough Rate

75.6%

Applications → Closed

Typical Borrower

Avg Loan Amount

$352,021

Avg Borrower Income

$140,506

Avg Property Value

$472,217

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

Northeast4

NJNYPARI

Midwest8

ILINKSMIMONEOHWI

South13

ALARFLGAKYLAMSNCSCTNTXVAWV

West7

AZCACOORUTWAWY

Top Metro Areas by Place Specialization Score

1© Jud McCranie · CC BY-SA 4.0

Dalton, GAMetro

Volume 116Mix 3.34% of portfolio

100/100

Exceptional

2© James Pressley · CC BY-SA 3.0

Chattanooga, TN, TN-GAMetro

Volume 351Mix 10.12% of portfolio

95/100

Exceptional

Nashville, TNMetro

Volume 932Mix 26.87% of portfolio

95/100

Exceptional

Huntsville, ALMetro

Volume 386Mix 11.13% of portfolio

95/100

Exceptional

Birmingham, ALMetro

Volume 346Mix 9.98% of portfolio

92/100

Exceptional

Daphne, ALMetro

Volume 126Mix 3.63% of portfolio

78/100

Strong

Cleveland, TNMetro

Volume 37Mix 1.07% of portfolio

71/100

Strong

Morristown, TNMetro

Volume 28Mix 0.81% of portfolio

65/100

Strong

Knoxville, TNMetro

Volume 90Mix 2.60% of portfolio

64/100

Strong

Jackson, TNMetro

Volume 50Mix 1.44% of portfolio

64/100

Strong

Showing 10 of 22 metro areas

Top States by Place Specialization Score

TennesseeState

Volume 1,926Mix 55.54% of portfolio

95/100

Exceptional

AlabamaState

Volume 1,072Mix 30.91% of portfolio

94/100

Exceptional

GeorgiaState

Volume 292Mix 8.42% of portfolio

70/100

Strong

KentuckyState

Volume 36Mix 1.04% of portfolio

51/100

Sound

MississippiState

Volume 15Mix 0.43% of portfolio

43/100

Sound

FloridaState

Volume 35Mix 1.01% of portfolio

42/100

Sound

South CarolinaState

Volume 11Mix 0.32% of portfolio

36/100

Acceptable

North CarolinaState

Volume 11Mix 0.32% of portfolio

35/100

Acceptable

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.