First Community Mortgage Rates, Fees & Info

SHELBYVILLE, TN

LEI: 549300R0SXC1JU7ZU290

Tax ID: 41-2031753

5 stars - out of 5 stars, based on 112 reviews

2020 Data | 2019 Data | 2018 Data


Overview

First Community Mortgage is a mid-sized mortgage company specializing in Home Purchase and Refi loans. First Community Mortgage has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets include Nashville, Atlanta, Kansas City, Knoxville, and Phoenix among others. They have an above average approval rate for mortages when compared nationally -- and they have an average pick rate when compared to the same sample of other lendors. First Community Mortgage is typically an average fee lendor.


Originations

12,556

Origination Dollar Volume (All Markets)

$3,095,160,000
Show all (36) awards

Relative Rate

First Community Mortgage 's average 30 year fixed rate mortgage of loans were 3.29%.

The 2020 average 30 year fixed rate mortgage across all markets of loans were 3.36%.

This yields a difference of -0.07%.

Relative Fees

First Community Mortgage 's average total fees for a 30 year fixed rate mortgage are $4,849.

The average total origination fees for 30 year fixed rate mortgages (for all loan values, including both points & up-front fees in addition to origination fees) are $5,021.

Top Markets

Market Originations Total Value Average Loan Average Fees Average Rate
NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) 3,374 $877,540,000 $260,089 $4,978 3.30%
Outside of Metro Areas 2,231 $420,645,000 $188,545 $4,460 3.34%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 813 $235,575,000 $289,760 $4,734 3.14%
KANSAS CITY, MO-KS (FHA|USDA|VA) 523 $124,355,000 $237,772 $3,926 3.30%
KNOXVILLE, TN (FHA|USDA|VA) 499 $106,955,000 $214,339 $4,911 3.42%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 215 $58,785,000 $273,419 $4,305 3.14%
AUBURN-OPELIKA, AL (FHA|USDA|VA) 218 $57,640,000 $264,404 $3,826 3.01%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 229 $53,705,000 $234,520 $3,928 3.32%
ALBUQUERQUE, NM (FHA|USDA|VA) 213 $51,355,000 $241,103 $3,699 3.12%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 145 $50,285,000 $346,793 $4,566 3.09%
COLUMBUS, OH (FHA|USDA|VA) 179 $45,425,000 $253,771 $6,197 3.14%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 193 $43,305,000 $224,378 $5,928 3.48%
JACKSON, TN (FHA|USDA|VA) 246 $40,750,000 $165,650 $5,730 3.24%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 135 $36,765,000 $272,333 $5,370 3.17%
LOS ANGELES-LONG BEACH-GLENDALE, CA (FHA|USDA|VA) 71 $34,585,000 $487,113 $3,981 2.95%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 128 $32,670,000 $255,234 $5,976 3.10%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 109 $32,265,000 $296,009 $5,020 3.30%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 135 $31,425,000 $232,778 $4,272 2.99%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 137 $30,695,000 $224,051 $5,126 3.44%
RALEIGH-CARY, NC (FHA|USDA|VA) 88 $29,610,000 $336,477 $2,999 3.11%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 64 $27,960,000 $436,875 $3,822 2.94%
WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV (FHA|USDA|VA) 71 $27,705,000 $390,211 $4,346 2.98%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 68 $24,280,000 $357,059 $4,898 3.06%
ST. LOUIS, MO-IL (FHA|USDA|VA) 77 $19,775,000 $256,818 $3,587 3.31%
GAINESVILLE, GA (FHA|USDA|VA) 72 $19,500,000 $270,833 $4,372 3.14%
MONTGOMERY, AL (FHA|USDA|VA) 72 $18,460,000 $256,389 $3,370 2.94%
MONTGOMERY COUNTY-BUCKS COUNTY-CHESTER COUNTY, PA (FHA|USDA|VA) 55 $17,445,000 $317,182 $5,062 3.00%
CHARLOTTESVILLE, VA (FHA|USDA|VA) 53 $16,865,000 $318,208 $3,666 3.28%
FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) 85 $16,725,000 $196,765 $3,950 2.90%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 62 $16,540,000 $266,774 $5,311 3.25%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 75 $15,935,000 $212,467 $3,270 3.15%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 69 $15,825,000 $229,348 $4,899 3.14%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 65 $15,675,000 $241,154 $2,993 3.15%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 44 $15,500,000 $352,273 $4,855 3.09%
HUNTSVILLE, AL (FHA|USDA|VA) 59 $14,845,000 $251,610 $4,172 3.03%
NORTH PORT-SARASOTA-BRADENTON, FL (FHA|USDA|VA) 58 $14,800,000 $255,172 $4,887 3.19%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 71 $14,595,000 $205,563 $5,914 3.31%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 47 $14,325,000 $304,787 $4,052 2.99%
WARREN-TROY-FARMINGTON HILLS, MI (FHA|USDA|VA) 49 $12,455,000 $254,184 $4,425 3.06%
RICHMOND, VA (FHA|USDA|VA) 39 $11,515,000 $295,256 $6,131 3.29%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 47 $11,395,000 $242,447 $4,888 3.19%
PHILADELPHIA, PA (FHA|USDA|VA) 40 $10,810,000 $270,250 $4,351 3.15%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 48 $10,720,000 $223,333 $4,270 2.99%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 31 $9,395,000 $303,065 $4,262 2.90%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 30 $9,200,000 $306,667 $4,295 3.08%
LOUISVILLE/JEFFERSON COUNTY, KY-IN (FHA|USDA|VA) 39 $8,975,000 $230,128 $2,789 3.13%
BOWLING GREEN, KY (FHA|USDA|VA) 32 $8,370,000 $261,563 $2,300 2.92%
ROME, GA (FHA|USDA|VA) 47 $8,065,000 $171,596 $4,347 3.07%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 25 $7,905,000 $316,200 $2,803 3.21%
HOT SPRINGS, AR (FHA|USDA|VA) 35 $7,645,000 $218,429 $4,066 3.12%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 31 $7,535,000 $243,065 $6,561 3.02%
WEST PALM BEACH-BOCA RATON-BOYNTON BEACH, FL (FHA|USDA|VA) 20 $7,110,000 $355,500 $3,938 2.85%
HAMMOND, LA (FHA|USDA|VA) 38 $6,990,000 $183,947 $4,964 3.47%
CLEVELAND, TN (FHA|USDA|VA) 24 $5,240,000 $218,333 $5,194 3.33%
MOBILE, AL (FHA|USDA|VA) 26 $5,090,000 $195,769 $4,022 3.08%
JACKSONVILLE, FL (FHA|USDA|VA) 19 $4,985,000 $262,368 $5,024 3.36%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 17 $4,795,000 $282,059 $5,026 3.24%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 20 $4,740,000 $237,000 $4,295 3.82%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 14 $4,730,000 $337,857 $2,647 2.95%
SANTA FE, NM (FHA|USDA|VA) 16 $4,590,000 $286,875 $4,497 3.16%
SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 14 $4,500,000 $321,429 $5,929 3.01%
ANAHEIM-SANTA ANA-IRVINE, CA (FHA|USDA|VA) 7 $4,325,000 $617,857 $6,025 3.18%
DETROIT-DEARBORN-LIVONIA, MI (FHA|USDA|VA) 18 $4,300,000 $238,889 $4,593 3.02%
PITTSBURGH, PA (FHA|USDA|VA) 19 $4,155,000 $218,684 $7,088 3.13%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 18 $4,060,000 $225,556 $3,941 3.19%
HATTIESBURG, MS (FHA|USDA|VA) 19 $3,955,000 $208,158 $4,671 3.31%
ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 15 $3,775,000 $251,667 $5,919 3.24%
BOSTON, MA (FHA|USDA|VA) 12 $3,680,000 $306,667 $2,546 2.83%
SPRINGFIELD, MO (FHA|USDA|VA) 19 $3,635,000 $191,316 $4,181 3.81%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 12 $3,500,000 $291,667 $5,274 3.03%
FORT LAUDERDALE-POMPANO BEACH-SUNRISE, FL (FHA|USDA|VA) 12 $3,430,000 $285,833 $6,910 2.99%
KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 17 $3,415,000 $200,882 $3,952 3.71%
GULFPORT-BILOXI, MS (FHA|USDA|VA) 15 $3,305,000 $220,333 $3,319 3.03%
MORRISTOWN, TN (FHA|USDA|VA) 24 $3,300,000 $137,500 $5,400 3.44%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 10 $3,140,000 $314,000 $6,607 3.10%
CHICAGO-NAPERVILLE-EVANSTON, IL (FHA|USDA|VA) 10 $3,100,000 $310,000 $3,450 2.82%
COLUMBUS, GA-AL (FHA|USDA|VA) 13 $3,085,000 $237,308 $2,736 2.88%
BOULDER, CO (FHA|USDA|VA) 8 $3,050,000 $381,250 $3,578 3.05%
FREDERICK-GAITHERSBURG-ROCKVILLE, MD (FHA|USDA|VA) 7 $3,045,000 $435,000 $5,918 2.98%
COLORADO SPRINGS, CO (FHA|USDA|VA) 10 $3,000,000 $300,000 $3,060 2.91%
FARMINGTON, NM (FHA|USDA|VA) 17 $2,985,000 $175,588 $4,961 2.89%
ANN ARBOR, MI (FHA|USDA|VA) 12 $2,770,000 $230,833 $2,425 3.18%
GOLDSBORO, NC (FHA|USDA|VA) 13 $2,665,000 $205,000 $3,613 3.12%
BATON ROUGE, LA (FHA|USDA|VA) 13 $2,595,000 $199,615 $4,962 3.24%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 8 $2,590,000 $323,750 $4,842 3.08%
AKRON, OH (FHA|USDA|VA) 10 $2,550,000 $255,000 $4,134 2.91%
PORT ST. LUCIE, FL (FHA|USDA|VA) 10 $2,410,000 $241,000 $4,228 3.10%
TUSCALOOSA, AL (FHA|USDA|VA) 12 $2,310,000 $192,500 $4,147 3.46%
AMES, IA (FHA|USDA|VA) 11 $2,285,000 $207,727 $3,594 3.63%
PANAMA CITY, FL (FHA|USDA|VA) 9 $2,205,000 $245,000 $5,613 3.04%
HINESVILLE, GA (FHA|USDA|VA) 9 $2,145,000 $238,333 $5,037 3.05%
GREELEY, CO (FHA|USDA|VA) 6 $2,040,000 $340,000 $6,257 3.00%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 5 $2,015,000 $403,000 $2,794 3.18%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 8 $1,990,000 $248,750 $3,616 3.23%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 9 $1,975,000 $219,444 $3,209 3.13%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 6 $1,960,000 $326,667 $4,412 2.92%
GADSDEN, AL (FHA|USDA|VA) 8 $1,960,000 $245,000 $3,461 3.03%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 6 $1,940,000 $323,333 $5,187 3.13%
TOLEDO, OH (FHA|USDA|VA) 10 $1,870,000 $187,000 $5,526 3.43%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 6 $1,780,000 $296,667 $4,738 3.21%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 7 $1,775,000 $253,571 $1,820 3.38%
PUNTA GORDA, FL (FHA|USDA|VA) 5 $1,765,000 $353,000 $3,931 3.03%
ST. JOSEPH, MO-KS (FHA|USDA|VA) 8 $1,760,000 $220,000 $2,298 3.22%
WINSTON-SALEM, NC (FHA|USDA|VA) 6 $1,760,000 $293,333 $2,282 2.98%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 6 $1,730,000 $288,333 $4,737 3.27%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 6 $1,720,000 $286,667 $2,197 2.85%
WILMINGTON, NC (FHA|USDA|VA) 5 $1,705,000 $341,000 $2,971 2.98%
MIAMI-MIAMI BEACH-KENDALL, FL (FHA|USDA|VA) 6 $1,640,000 $273,333 $5,686 3.17%
COLUMBIA, MO (FHA|USDA|VA) 7 $1,635,000 $233,571 $2,852 2.80%
CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) 11 $1,635,000 $148,636 $2,459 2.95%
DALLAS-PLANO-IRVING, TX (FHA|USDA|VA) 7 $1,595,000 $227,857 $4,048 3.18%
ASHEVILLE, NC (FHA|USDA|VA) 5 $1,555,000 $311,000 $6,229 2.80%
SAVANNAH, GA (FHA|USDA|VA) 5 $1,545,000 $309,000 $4,535 2.80%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 5 $1,545,000 $309,000 $5,580 2.80%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 4 $1,500,000 $375,000 $3,431 3.19%
JOHNSON CITY, TN (FHA|USDA|VA) 7 $1,445,000 $206,429 $5,811 3.59%
OAKLAND-BERKELEY-LIVERMORE, CA (FHA|USDA|VA) 3 $1,385,000 $461,667 $2,775 3.33%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 4 $1,380,000 $345,000 $3,145 2.88%
CAMBRIDGE-NEWTON-FRAMINGHAM, MA (FHA|USDA|VA) 5 $1,375,000 $275,000 $2,382 2.75%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 3 $1,315,000 $438,333 $8,531 2.88%
JACKSON, MS (FHA|USDA|VA) 6 $1,300,000 $216,667 $4,240 3.13%
TUCSON, AZ (FHA|USDA|VA) 4 $1,250,000 $312,500 $4,719 2.91%
WICHITA, KS (FHA|USDA|VA) 5 $1,245,000 $249,000 $4,138 3.35%
FORT COLLINS, CO (FHA|USDA|VA) 3 $1,175,000 $391,667 $3,589 2.79%
MACON-BIBB COUNTY, GA (FHA|USDA|VA) 8 $1,170,000 $146,250 $3,767 2.59%
SIOUX FALLS, SD (FHA|USDA|VA) 5 $1,135,000 $227,000 $3,803 3.50%
SIOUX CITY, IA-NE-SD (FHA|USDA|VA) 5 $1,115,000 $223,000 $5,354 3.63%
SAN FRANCISCO-SAN MATEO-REDWOOD CITY, CA (FHA|USDA|VA) 1 $1,105,000 $1,105,000 $17,311 3.00%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 5 $1,105,000 $221,000 $3,633 2.83%
SALT LAKE CITY, UT (FHA|USDA|VA) 3 $1,065,000 $355,000 $4,658 3.08%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 4 $1,060,000 $265,000 $2,030 3.28%
SEATTLE-BELLEVUE-KENT, WA (FHA|USDA|VA) 3 $1,055,000 $351,667 $5,828 3.17%
LINCOLN, NE (FHA|USDA|VA) 6 $1,050,000 $175,000 $2,440 3.33%
ROCKINGHAM COUNTY-STRAFFORD COUNTY, NH (FHA|USDA|VA) 4 $1,040,000 $260,000 $2,911 2.88%
WORCESTER, MA-CT (FHA|USDA|VA) 4 $1,020,000 $255,000 $4,357 3.13%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 5 $995,000 $199,000 $3,069 3.35%
ANNISTON-OXFORD, AL (FHA|USDA|VA) 5 $975,000 $195,000 $4,618 2.85%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 2 $940,000 $470,000 $4,122 3.44%
DECATUR, AL (FHA|USDA|VA) 6 $940,000 $156,667 $4,480 3.08%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 3 $935,000 $311,667 $4,988 3.00%
FORT WORTH-ARLINGTON-GRAPEVINE, TX (FHA|USDA|VA) 3 $905,000 $301,667 $7,106 2.88%
DOTHAN, AL (FHA|USDA|VA) 3 $895,000 $298,333 $2,660 3.13%
CEDAR RAPIDS, IA (FHA|USDA|VA) 5 $835,000 $167,000 $4,718 3.33%
PROVO-OREM, UT (FHA|USDA|VA) 2 $790,000 $395,000 $3,919 3.31%
BAKERSFIELD, CA (FHA|USDA|VA) 4 $770,000 $192,500 $2,606 3.19%
COLUMBIA, SC (FHA|USDA|VA) 4 $710,000 $177,500 $6,577 3.13%
JONESBORO, AR (FHA|USDA|VA) 5 $685,000 $137,000 $1,829 3.30%
ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) 3 $675,000 $225,000 $2,584 3.08%
CANTON-MASSILLON, OH (FHA|USDA|VA) 4 $660,000 $165,000 $5,997 3.00%
MANCHESTER-NASHUA, NH (FHA|USDA|VA) 3 $625,000 $208,333 $2,496 2.75%
BRUNSWICK, GA (FHA|USDA|VA) 3 $615,000 $205,000 $2,320 2.79%
OCALA, FL (FHA|USDA|VA) 5 $615,000 $123,000 $4,458 3.18%
DALTON, GA (FHA|USDA|VA) 3 $615,000 $205,000 $5,144 3.17%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 2 $610,000 $305,000 $2,177 3.38%
IOWA CITY, IA (FHA|USDA|VA) 2 $610,000 $305,000 $2,433 3.31%
TOPEKA, KS (FHA|USDA|VA) 3 $605,000 $201,667 $3,299 4.13%
TULSA, OK (FHA|USDA|VA) 3 $595,000 $198,333 $7,073 2.67%
LAKE COUNTY-KENOSHA COUNTY, IL-WI (FHA|USDA|VA) 2 $560,000 $280,000 $1,860 2.88%
STAUNTON, VA (FHA|USDA|VA) 2 $560,000 $280,000 $3,602 2.88%
ELGIN, IL (FHA|USDA|VA) 1 $535,000 $535,000 $1,194 3.00%
BILLINGS, MT (FHA|USDA|VA) 1 $515,000 $515,000 $5,965 2.88%
SAN RAFAEL, CA (FHA|USDA|VA) 1 $515,000 $515,000 $0 3.00%
RACINE, WI (FHA|USDA|VA) 2 $510,000 $255,000 $2,823 3.06%
MONROE, MI (FHA|USDA|VA) 2 $510,000 $255,000 $2,076 3.13%
FLAGSTAFF, AZ (FHA|USDA|VA) 3 $495,000 $165,000 $2,747 2.67%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 3 $485,000 $161,667 $5,532 3.33%
GAINESVILLE, FL (FHA|USDA|VA) 3 $475,000 $158,333 $4,503 3.17%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 1 $475,000 $475,000 $18,405 2.75%
LAWRENCE, KS (FHA|USDA|VA) 2 $470,000 $235,000 $3,498 3.50%
MANHATTAN, KS (FHA|USDA|VA) 2 $440,000 $220,000 $7,048 3.63%
JACKSON, MI (FHA|USDA|VA) 2 $440,000 $220,000 $2,513 3.25%
MIDLAND, MI (FHA|USDA|VA) 3 $435,000 $145,000 $2,418 3.00%
BARNSTABLE TOWN, MA (FHA|USDA|VA) 1 $395,000 $395,000 $2,449 2.88%
BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) 2 $390,000 $195,000 $5,225 3.25%
WILMINGTON, DE-MD-NJ (FHA|USDA|VA) 3 $375,000 $125,000 $3,122 3.42%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 1 $345,000 $345,000 $2,992 2.75%
FAYETTEVILLE, NC (FHA|USDA|VA) 2 $340,000 $170,000 $2,104 2.81%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 2 $340,000 $170,000 $5,204 3.31%
DAYTON-KETTERING, OH (FHA|USDA|VA) 2 $330,000 $165,000 $9,163 2.75%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 2 $330,000 $165,000 $2,542 3.38%
EAST STROUDSBURG, PA (FHA|USDA|VA) 1 $325,000 $325,000 $3,813 3.00%
SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 1 $305,000 $305,000 $6,874 3.38%
FLORENCE, SC (FHA|USDA|VA) 1 $305,000 $305,000 $1,339 2.88%
LOGAN, UT-ID (FHA|USDA|VA) 1 $305,000 $305,000 $3,013 3.25%
WATERLOO-CEDAR FALLS, IA (FHA|USDA|VA) 2 $300,000 $150,000 $4,744 2.88%
AMARILLO, TX (FHA|USDA|VA) 1 $295,000 $295,000 $5,874 2.88%
LAFAYETTE, LA (FHA|USDA|VA) 1 $285,000 $285,000 $4,234 3.38%
BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 1 $285,000 $285,000 $0 3.25%
LAS CRUCES, NM (FHA|USDA|VA) 2 $280,000 $140,000 $3,279 3.44%
WARNER ROBINS, GA (FHA|USDA|VA) 2 $280,000 $140,000 $3,771 2.69%
SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 1 $275,000 $275,000 $0 3.13%
CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) 1 $265,000 $265,000 $2,610 2.75%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 1 $255,000 $255,000 $2,655 3.13%
VALDOSTA, GA (FHA|USDA|VA) 1 $255,000 $255,000 $5,319 3.50%
TALLAHASSEE, FL (FHA|USDA|VA) 1 $235,000 $235,000 $11,742 3.63%
CHEYENNE, WY (FHA|USDA|VA) 1 $235,000 $235,000 $5,191 2.63%
GRAND ISLAND, NE (FHA|USDA|VA) 1 $235,000 $235,000 $2,083 2.88%
SALEM, OR (FHA|USDA|VA) 1 $235,000 $235,000 $2,695 2.75%
ST. CLOUD, MN (FHA|USDA|VA) 1 $235,000 $235,000 $2,964 3.50%
ROCKY MOUNT, NC (FHA|USDA|VA) 1 $225,000 $225,000 $3,130 3.25%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 1 $225,000 $225,000 $5,359 2.88%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 1 $215,000 $215,000 $0 3.00%
OKLAHOMA CITY, OK (FHA|USDA|VA) 1 $215,000 $215,000 $5,595 2.75%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 2 $210,000 $105,000 $5,060 3.38%
HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 1 $185,000 $185,000 $2,235 2.88%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 1 $185,000 $185,000 $3,294 2.63%
BOISE CITY, ID (FHA|USDA|VA) 1 $185,000 $185,000 $5,149 2.75%
LANSING-EAST LANSING, MI (FHA|USDA|VA) 1 $185,000 $185,000 $0 3.50%
ABILENE, TX (FHA|USDA|VA) 1 $185,000 $185,000 $4,755 3.00%
ROCHESTER, MN (FHA|USDA|VA) 1 $175,000 $175,000 $1,183 3.63%
FORT SMITH, AR-OK (FHA|USDA|VA) 1 $175,000 $175,000 $2,404 3.38%
FLINT, MI (FHA|USDA|VA) 1 $175,000 $175,000 $1,637 3.00%
TACOMA-LAKEWOOD, WA (FHA|USDA|VA) 1 $165,000 $165,000 $1,689 3.38%
LYNCHBURG, VA (FHA|USDA|VA) 1 $165,000 $165,000 $8,078 2.75%
THE VILLAGES, FL (FHA|USDA|VA) 1 $155,000 $155,000 $6,424 2.75%
MANSFIELD, OH (FHA|USDA|VA) 1 $155,000 $155,000 $6,402 3.25%
YUMA, AZ (FHA|USDA|VA) 1 $155,000 $155,000 $3,350 3.38%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 1 $145,000 $145,000 $5,847 2.50%
CUMBERLAND, MD-WV (FHA|USDA|VA) 1 $135,000 $135,000 $3,084 2.75%
MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) 1 $115,000 $115,000 $3,634 3.88%
ROANOKE, VA (FHA|USDA|VA) 1 $115,000 $115,000 $3,053 3.13%
ALTOONA, PA (FHA|USDA|VA) 1 $105,000 $105,000 $4,298 3.13%
WAUSAU-WESTON, WI (FHA|USDA|VA) 1 $95,000 $95,000 $2,107 2.75%
WHEELING, WV-OH (FHA|USDA|VA) 1 $95,000 $95,000 $0 4.00%
BAY CITY, MI (FHA|USDA|VA) 1 $85,000 $85,000 $2,009 3.00%
TEXARKANA, TX-AR (FHA|USDA|VA) 1 $85,000 $85,000 $2,960 3.13%

First Community Mortgage 's top markets include Nashville, Atlanta, Kansas City, Knoxville, and Phoenix among others.

Product Mix

Loan Type Originations Total Value Average Loan Average Fees Average Rate
Conventional 8,565 $2,202,465,000 $257,147 $3,824 3.24%
FHA 1,952 $413,950,000 $212,065 $7,622 3.32%
VA 1,349 $369,735,000 $274,081 $5,056 3.06%
USDA 690 $109,010,000 $157,986 $5,079 3.37%

For the 2020 period, First Community Mortgage 's most frequently originated loan type of loans were Conventional, with 8,565 originations. Their 2nd most popular type is FHA, with 1,952 originations.

Loan Reason

Loan Reason Originations Total Value Average Loan Average Fees Average Rate
Home Purchase 6,513 $1,526,145,000 $234,323 $5,438 3.34%
Refi 4,306 $1,144,600,000 $265,815 $3,565 3.06%
Cash Out Refi 1,737 $424,415,000 $244,338 $4,273 3.31%

For the 2020, First Community Mortgage 's most frequently cited loan purpose of loans were Home Purchase, with 6,513 originations. The 2nd most popular reason of loans were Refi, with 4,306 originations.

Loan Duration/Length

Loan Length Originations Total Value Average Loan Average Fees Average Rate
30 Year 10,688 $2,679,260,000 $250,679 $4,849 3.29%
15 Year 1,037 $220,295,000 $212,435 $3,381 2.88%
20 Year 599 $140,925,000 $235,267 $3,498 3.11%
Other 152 $38,510,000 $253,355 $3,522 3.26%
10 Year 80 $16,170,000 $202,125 $3,590 2.80%

For the 2020, First Community Mortgage 's most frequently cited loan length of loans were 30 Year, with 10,688 originations. The 2nd most popular length of loans were 15 Year, with 1,037 originations.

Origination Fees

Origination Fee Originations Total Value Average Loan
$1k-2k 5,338 $1,296,950,000 $242,966
$<1k 3,096 $788,150,000 $254,570
$2k-3k 1,528 $341,370,000 $223,410
$3k-4k 1,485 $352,505,000 $237,377
$5k+ 719 $244,065,000 $339,451

$4,849 of loans were First Community Mortgage 's average total fees, while their most frequently occuring range of origination fees were in the $1k-2k bucket, with 5,338 originations.

Interest Rates

Loan Rate Originations Total Value Average Loan
3-4% 6,377 $1,496,415,000 $234,658
2.5-3% 4,695 $1,268,005,000 $270,076
<2.5% 749 $195,145,000 $260,541
4-5% 577 $107,185,000 $185,763
5-6% 51 $8,215,000 $161,078
7-8% 47 $9,325,000 $198,404
6-7% 46 $8,840,000 $192,174
Over 8% 14 $2,030,000 $145,000

During 2020, First Community Mortgage 's average interest rate of loans were 3.29%, while their most frequently originated rate bucket of loans were 3-4%, with 6,377 originations.

Loan Sizing

Loan Size Originations Total Value Average Loan Average Fees Average Rate
$200k-400k 6,356 $1,756,490,000 $276,351 $4,887 3.16%
$100k-200k 4,273 $665,485,000 $155,742 $4,179 3.35%
$400k-600k 1,096 $512,560,000 $467,664 $5,219 3.07%
$100,000 or less 696 $56,700,000 $81,466 $3,374 3.57%
$600k-1MM 119 $85,695,000 $720,126 $7,848 3.15%
$1MM+ 16 $18,230,000 $1,139,375 $13,193 3.13%

2020 saw First Community Mortgage place emphasis on $200k-400k loans with 6,356 originations, totaling $1,756,490,000 in origination value.

Applicant Income

Applicant Income Originations Total Value Average Loan Average Fees Average Rate
$50k-75k 3,158 $656,220,000 $207,796 $4,871 3.30%
$100k-150k 2,445 $706,155,000 $288,816 $4,572 3.18%
$50k or less 2,412 $374,040,000 $155,075 $4,523 3.37%
$75k-100k 2,156 $535,690,000 $248,465 $4,771 3.25%
$150k-250k 1,307 $455,545,000 $348,542 $4,521 3.14%
$250k+ 500 $212,420,000 $424,840 $5,028 3.14%

First Community Mortgage lent most frequently to those with incomes in the $50k-75k range, with 3,158 originations. The second most popular income band? $100k-150k, with 2,445 originations.

Applicant Debt to Income Ratio

DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
20-30% 2,796 $698,550,000 $249,839 $4,076 3.21%
30-36% 2,294 $558,260,000 $243,357 $4,533 3.27%
<20% 1,020 $253,170,000 $248,206 $3,682 3.10%
50-60% 558 $135,880,000 $243,513 $7,353 3.31%
44% 508 $124,340,000 $244,764 $5,268 3.33%
40% 467 $113,165,000 $242,323 $4,714 3.29%
42% 456 $111,440,000 $244,386 $5,016 3.34%
41% 451 $108,515,000 $240,610 $4,966 3.35%
43% 445 $105,475,000 $237,022 $4,920 3.34%
36% 419 $101,855,000 $243,091 $4,727 3.26%
38% 417 $96,765,000 $232,050 $4,864 3.30%
37% 411 $101,615,000 $247,238 $4,826 3.28%
39% 394 $92,080,000 $233,706 $5,063 3.33%
45% 282 $70,310,000 $249,326 $4,853 3.31%
47% 271 $69,415,000 $256,144 $5,156 3.27%
49% 270 $69,830,000 $258,630 $5,284 3.24%
46% 268 $65,870,000 $245,784 $5,155 3.20%
48% 261 $64,495,000 $247,107 $5,124 3.26%
>60% 14 $4,420,000 $315,714 $7,859 3.13%

First Community Mortgage lent most frequently to those with DTI ratios of 20-30%, with 2,796 originations. The next most common DTI ratio? 30-36%, with 2,294 originations.

Ethnicity Mix

Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
White 10,286 $2,523,410,000 $245,325 $4,535 3.25%
Not provided 1,219 $315,315,000 $258,667 $4,565 3.15%
Black 805 $184,385,000 $229,050 $6,107 3.27%
Asian 210 $63,930,000 $304,429 $4,643 3.14%
American Indian 22 $4,340,000 $197,273 $4,859 3.09%
Native Hawaiian 14 $3,780,000 $270,000 $3,804 3.14%

Approval Rates

Total approvals of all applications
91.52%

First Community Mortgage has an average approval rate.

Pick Rate

Approvals leading to origination
92.22%

First Community Mortgage has an average pick rate.

Points and Fees

Points Originations Total Value Average Loan
NA 12,556 $3,095,160,000 $246,508

Occupancy Type Mix

Dwelling Type Originations Total Value Average Loan
Single Family (1-4 Units):Manufactured 79 $10,105,000 $127,911
Single Family (1-4 Units):Site-Built 12,477 $3,085,055,000 $247,259

LTV Distribution

Loan to Value Originations Total Value Average Loan Average Fees Average Rate
20-40% 296 $54,550,000 $184,291 $3,119 3.02%
40-60% 1,249 $299,045,000 $239,428 $3,277 3.02%
60-80% 3,909 $1,027,665,000 $262,897 $3,873 3.29%
80-100% 6,183 $1,471,325,000 $237,963 $5,284 3.30%
Over 100% 329 $85,445,000 $259,711 $9,149 3.22%
Under 20% 14 $2,290,000 $163,571 $2,983 2.99%