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FIRSTTRUST HOME LOANS, INC.
Independent Mortgage Company|SHERIDAN, AR|Multi-Region
Loans Originated
107
Applications
2,884
Volume
$24 million
Offers loans directly to consumers
Overall Pull Through
Mediocre
Pricing and Pullthrough Overview
Pullthrough Rate
3.7%
Percentage of applications that result in closed loans
Safe Rate's Summary
Things to Think About
- Pull through efficiency is below industry average
Report Card
FIRSTTRUST HOME LOANS, INC. performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | N/A | No data available | |
Pull Through Closing Strength | Mediocre | Below peers | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Acceptable | Near industry average | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Acceptable | Near industry average | |
Places Geographic coverage | Sound | Multi-Regional · 5 metro areas · 11 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$232,290
Average Borrower Income
$206,850
Average Property Value
$309,299
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Mediocre | Acceptable | N/A | Mediocre | 84 | 78.5% | — | — |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Mediocre | Acceptable | N/A | Mediocre | 98 | 91.6% | — | — |
Geographic Coverage
Metro Areas
4
States Served
11
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
ALARFLGAILKYLAMOOHOKTN
Top Metro Areas by Place Specialization Score
1
Toledo, OH, OHMSA
Volume: 16Mix: 14.95%
Place Specialization
Sound
2
Birmingham, AL, ALMSA
Volume: 13Mix: 12.15%
Place Specialization
Sound
3
Nashville, TNMSA
Volume: 13Mix: 12.15%
Place Specialization
Sound
4
Little Rock, ARMSA
Volume: 10Mix: 9.35%
Place Specialization
Sound
Top States by Place Specialization Score
1
ARState
Volume: 24Mix: 22.43%
Place Specialization
Sound
2
ALState
Volume: 19Mix: 17.76%
Place Specialization
Sound
3
OHState
Volume: 23Mix: 21.50%
Place Specialization
Sound
4
TNState
Volume: 14Mix: 13.08%
Place Specialization
Sound
5
ILState
Volume: 14Mix: 13.08%
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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