First Community Mortgage Rates, Fees & Info

SHELBYVILLE, TN

LEI: 549300R0SXC1JU7ZU290

Tax ID: 41-2031753

4.7 stars - out of 5 stars, based on 111 reviews

Latest/2021 | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

  • SimulatedRates™
  • Review & 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 by origination volume include: Nashville, Atlanta, Knoxville, Pensacola, and Shelbyville among others. We have data for 334 markets. (Some data included below & more in-depth data is available with an active subscription.)

    First Community Mortgage has an above average approval rate when compared to the average across all lenders. They have an above average pick rate when compared to similar lenders. First Community Mortgage is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.


    SimulatedRates™

    Mortgage Type
    Simulated Rate Simulation Date
    30 Year Conventional Purchase 7.17% 11/26/22
    30 Year Conventional Refi 6.81% 11/26/22
    30 Year Cash-out Refi 6.99% 11/26/22
    30 Year FHA Purchase 7.78% 11/26/22
    30 Year FHA Refi 7.50% 11/26/22
    30 Year VA Purchase 6.62% 11/26/22
    30 Year VA Refi 6.29% 11/26/22
    30 Year USDA Purchase 7.17% 11/26/22
    30 Year USDA Refi 7.06% 11/26/22
    15 Year Conventional Purchase 6.32% 11/26/22
    15 Year Conventional Refi 6.17% 11/26/22
    15 Year Cash-out Refi 6.17% 11/26/22
    15 Year FHA Purchase 7.36% 11/26/22
    15 Year VA Refi 6.07% 11/26/22
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.


    Originations

    12,282

    Origination Dollar Volume (All Markets)

    $3,132,580,000
    Show all (48) awards

    Relative Rate

    First Community Mortgage's average 30 year fixed mortgage rate was 3.16%.

    The 2021 average 30 year fixed rate mortgage across all markets and lenders was 3.15%.

    This yields a difference of 0.01%.

    Relative Fees (Closing Costs)

    First Community Mortgage's average total fees/closing costs for a 30 year fixed rate mortgage were $5,072.

    The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $4,750.

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) 3,001 $874,815,000 $291,508 $4,969 3.18%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 1,197 $369,465,000 $308,659 $4,855 3.09%
    KNOXVILLE, TN (FHA|USDA|VA) 1,041 $229,325,000 $220,293 $4,383 3.00%
    Outside of Metro Areas 885 $166,415,000 $188,040 $4,520 2.97%
    PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 377 $110,545,000 $293,223 $5,658 3.08%
    Shelbyville, TN (FHA|USDA|VA) 299 $66,315,000 $221,789 $4,545 3.07%
    COLUMBUS, OH (FHA|USDA|VA) 244 $62,180,000 $254,836 $5,170 3.04%
    Tullahoma-Manchester, TN (FHA|USDA|VA) 278 $58,620,000 $210,863 $4,424 3.10%
    BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 236 $55,340,000 $234,492 $4,367 2.98%
    JACKSON, TN (FHA|USDA|VA) 286 $52,830,000 $184,720 $5,545 2.99%
    CLARKSVILLE, TN-KY (FHA|USDA|VA) 198 $52,060,000 $262,929 $6,608 3.15%
    HUNTSVILLE, AL (FHA|USDA|VA) 175 $51,335,000 $293,343 $4,366 2.90%
    AUBURN-OPELIKA, AL (FHA|USDA|VA) 171 $44,695,000 $261,374 $4,733 3.11%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 124 $34,880,000 $281,290 $6,490 2.94%
    MOBILE, AL (FHA|USDA|VA) 164 $31,770,000 $193,720 $4,296 2.98%
    CHATTANOOGA, TN-GA (FHA|USDA|VA) 121 $30,985,000 $256,074 $4,711 3.29%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 146 $28,910,000 $198,014 $7,663 4.55%
    JACKSONVILLE, FL (FHA|USDA|VA) 75 $28,605,000 $381,400 $5,814 3.16%
    DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 91 $26,375,000 $289,835 $4,319 3.05%
    LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 117 $25,705,000 $219,701 $2,930 2.79%
    CINCINNATI, OH-KY-IN (FHA|USDA|VA) 120 $25,540,000 $212,833 $3,225 3.18%
    Lewisburg, TN (FHA|USDA|VA) 110 $25,490,000 $231,727 $4,402 3.21%
    FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) 100 $22,180,000 $221,800 $3,723 2.75%
    LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 99 $20,755,000 $209,646 $3,143 2.90%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 42 $15,780,000 $375,714 $6,670 3.04%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 47 $15,695,000 $333,936 $4,625 2.81%
    ALBUQUERQUE, NM (FHA|USDA|VA) 56 $15,040,000 $268,571 $4,199 3.19%
    RALEIGH-CARY, NC (FHA|USDA|VA) 45 $14,945,000 $332,111 $3,684 2.80%
    MEMPHIS, TN-MS-AR (FHA|USDA|VA) 66 $14,520,000 $220,000 $5,276 3.04%
    Sevierville, TN (FHA|USDA|VA) 64 $13,870,000 $216,719 $4,674 2.95%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 29 $13,725,000 $473,276 $9,148 2.92%
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 36 $13,450,000 $373,611 $5,233 2.92%
    MORRISTOWN, TN (FHA|USDA|VA) 66 $13,190,000 $199,848 $4,837 2.97%
    LOUISVILLE/JEFFERSON COUNTY, KY-IN (FHA|USDA|VA) 62 $13,080,000 $210,968 $3,396 3.26%
    GAINESVILLE, GA (FHA|USDA|VA) 44 $12,860,000 $292,273 $4,623 3.16%
    Athens, TN (FHA|USDA|VA) 69 $11,465,000 $166,159 $4,752 3.09%
    MONTGOMERY, AL (FHA|USDA|VA) 39 $10,785,000 $276,538 $4,729 2.79%
    Paris, TN (FHA|USDA|VA) 59 $10,545,000 $178,729 $4,720 2.91%
    BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 33 $10,485,000 $317,727 $4,939 3.07%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 31 $10,475,000 $337,903 $5,443 2.79%
    CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 50 $10,350,000 $207,000 $4,255 2.89%
    GULFPORT-BILOXI, MS (FHA|USDA|VA) 43 $10,075,000 $234,302 $4,747 3.15%
    HOT SPRINGS, AR (FHA|USDA|VA) 41 $9,915,000 $241,829 $4,215 2.73%
    Dayton, TN (FHA|USDA|VA) 49 $9,835,000 $200,714 $5,164 3.39%
    Taos, NM (FHA|USDA|VA) 28 $9,470,000 $338,214 $6,088 2.91%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 23 $8,925,000 $388,043 $8,173 2.82%
    Alexander City, AL (FHA|USDA|VA) 30 $8,920,000 $297,333 $3,753 3.06%
    Columbus, MS (FHA|USDA|VA) 46 $8,260,000 $179,565 $4,849 3.14%
    JOHNSON CITY, TN (FHA|USDA|VA) 41 $7,565,000 $184,512 $3,906 3.24%
    ROME, GA (FHA|USDA|VA) 40 $7,530,000 $188,250 $3,969 3.01%
    ST. LOUIS, MO-IL (FHA|USDA|VA) 40 $7,370,000 $184,250 $4,973 2.78%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 33 $7,345,000 $222,576 $3,693 2.61%
    Madisonville, KY (FHA|USDA|VA) 44 $7,310,000 $166,136 $3,162 3.04%
    BOWLING GREEN, KY (FHA|USDA|VA) 28 $6,630,000 $236,786 $3,517 2.96%
    DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 18 $6,480,000 $360,000 $4,378 3.08%
    PANAMA CITY, FL (FHA|USDA|VA) 16 $5,920,000 $370,000 $5,894 3.13%
    JACKSON, MS (FHA|USDA|VA) 15 $5,895,000 $393,000 $6,100 2.98%
    Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 17 $5,825,000 $342,647 $3,660 3.16%
    COLUMBUS, GA-AL (FHA|USDA|VA) 27 $5,655,000 $209,444 $4,226 2.95%
    KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 28 $5,570,000 $198,929 $4,258 3.06%
    DECATUR, AL (FHA|USDA|VA) 27 $5,375,000 $199,074 $4,530 2.97%
    McMinnville, TN (FHA|USDA|VA) 24 $5,150,000 $214,583 $5,547 2.99%
    SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 18 $5,120,000 $284,444 $6,436 2.56%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 13 $4,875,000 $375,000 $4,459 2.75%
    DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 21 $4,835,000 $230,238 $2,815 3.20%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 14 $4,700,000 $335,714 $5,091 3.04%
    Talladega-Sylacauga, AL (FHA|USDA|VA) 16 $4,610,000 $288,125 $5,417 2.83%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 17 $4,605,000 $270,882 $4,226 2.94%
    GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 15 $4,435,000 $295,667 $4,485 3.03%
    GOLDSBORO, NC (FHA|USDA|VA) 24 $4,380,000 $182,500 $3,620 2.89%
    Cookeville, TN (FHA|USDA|VA) 18 $4,380,000 $243,333 $4,240 2.92%
    ASHEVILLE, NC (FHA|USDA|VA) 13 $4,005,000 $308,077 $6,461 3.13%
    Martin, TN (FHA|USDA|VA) 22 $3,960,000 $180,000 $6,382 2.87%
    Arkadelphia, AR (FHA|USDA|VA) 27 $3,765,000 $139,444 $3,781 2.63%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 10 $3,750,000 $375,000 $6,588 2.96%
    MACON-BIBB COUNTY, GA (FHA|USDA|VA) 20 $3,740,000 $187,000 $3,263 2.94%
    Greeneville, TN (FHA|USDA|VA) 18 $3,710,000 $206,111 $4,634 2.90%
    CLEVELAND, TN (FHA|USDA|VA) 18 $3,650,000 $202,778 $4,882 3.42%
    Jefferson, GA (FHA|USDA|VA) 12 $3,610,000 $300,833 $4,906 3.07%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 17 $3,555,000 $209,118 $4,189 2.88%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 12 $3,480,000 $290,000 $6,758 3.39%
    Meridian, MS (FHA|USDA|VA) 20 $3,400,000 $170,000 $5,146 3.16%
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 6 $3,390,000 $565,000 $8,346 2.79%
    OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 9 $3,385,000 $376,111 $6,815 2.72%
    Lawrenceburg, TN (FHA|USDA|VA) 17 $3,015,000 $177,353 $5,809 3.37%
    Crossville, TN (FHA|USDA|VA) 13 $3,005,000 $231,154 $4,361 3.38%
    WILMINGTON, NC (FHA|USDA|VA) 10 $2,970,000 $297,000 $4,436 3.50%
    AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 13 $2,855,000 $219,615 $5,289 2.98%
    RICHMOND, VA (FHA|USDA|VA) 9 $2,645,000 $293,889 $4,559 3.08%
    HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 8 $2,550,000 $318,750 $3,561 2.92%
    ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 13 $2,435,000 $187,308 $4,740 3.08%
    Brownsville, TN (FHA|USDA|VA) 15 $2,415,000 $161,000 $7,118 3.13%
    CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 7 $2,395,000 $342,143 $5,456 2.95%
    SAVANNAH, GA (FHA|USDA|VA) 7 $2,385,000 $340,714 $8,323 2.95%
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 6 $2,310,000 $385,000 $9,443 2.88%
    Cornelia, GA (FHA|USDA|VA) 13 $2,305,000 $177,308 $4,463 3.32%
    COLUMBIA, MO (FHA|USDA|VA) 8 $2,290,000 $286,250 $2,466 2.66%
    Union City, TN (FHA|USDA|VA) 15 $2,245,000 $149,667 $7,075 2.99%
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 6 $2,240,000 $373,333 $6,783 3.00%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 6 $2,230,000 $371,667 $7,899 2.94%
    LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 11 $2,205,000 $200,455 $4,706 3.02%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 6 $2,170,000 $361,667 $4,198 2.98%
    ANNISTON-OXFORD, AL (FHA|USDA|VA) 6 $2,160,000 $360,000 $4,823 2.94%
    PORT ST. LUCIE, FL (FHA|USDA|VA) 7 $2,015,000 $287,857 $4,817 2.79%
    PITTSBURGH, PA (FHA|USDA|VA) 9 $1,995,000 $221,667 $5,186 2.86%
    FARMINGTON, NM (FHA|USDA|VA) 8 $1,970,000 $246,250 $5,505 2.58%
    PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 6 $1,950,000 $325,000 $4,305 3.13%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 5 $1,875,000 $375,000 $5,532 2.90%
    MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 6 $1,870,000 $311,667 $3,752 2.96%
    TUSCALOOSA, AL (FHA|USDA|VA) 9 $1,855,000 $206,111 $4,415 2.94%
    ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) 7 $1,825,000 $260,714 $2,732 3.05%
    AKRON, OH (FHA|USDA|VA) 6 $1,820,000 $303,333 $7,629 2.71%
    GADSDEN, AL (FHA|USDA|VA) 8 $1,800,000 $225,000 $4,813 3.34%
    LaGrange, GA-AL (FHA|USDA|VA) 8 $1,800,000 $225,000 $4,866 3.16%
    HATTIESBURG, MS (FHA|USDA|VA) 8 $1,790,000 $223,750 $6,752 3.03%
    SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 5 $1,685,000 $337,000 $4,449 2.65%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 7 $1,655,000 $236,429 $4,447 3.02%
    Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 6 $1,530,000 $255,000 $4,550 2.79%
    CHARLOTTESVILLE, VA (FHA|USDA|VA) 5 $1,515,000 $303,000 $6,130 2.88%
    Scottsboro, AL (FHA|USDA|VA) 5 $1,475,000 $295,000 $4,629 2.93%
    Starkville, MS (FHA|USDA|VA) 8 $1,450,000 $181,250 $4,228 3.02%
    Seneca, SC (FHA|USDA|VA) 3 $1,385,000 $461,667 $7,633 2.96%
    DAYTON-KETTERING, OH (FHA|USDA|VA) 5 $1,365,000 $273,000 $5,903 3.05%
    SANTA FE, NM (FHA|USDA|VA) 5 $1,345,000 $269,000 $4,944 2.88%
    NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 5 $1,305,000 $261,000 $6,770 3.08%
    BRUNSWICK, GA (FHA|USDA|VA) 3 $1,295,000 $431,667 $5,106 3.13%
    Tupelo, MS (FHA|USDA|VA) 8 $1,290,000 $161,250 $3,847 2.88%
    Cullman, AL (FHA|USDA|VA) 8 $1,270,000 $158,750 $4,444 2.69%
    Laurel, MS (FHA|USDA|VA) 7 $1,255,000 $179,286 $5,400 3.09%
    Jasper, AL (FHA|USDA|VA) 7 $1,235,000 $176,429 $3,452 2.86%
    DOTHAN, AL (FHA|USDA|VA) 6 $1,160,000 $193,333 $3,997 2.92%
    Malvern, AR (FHA|USDA|VA) 9 $1,155,000 $128,333 $8,117 2.63%
    Albertville, AL (FHA|USDA|VA) 5 $1,135,000 $227,000 $3,104 2.78%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 4 $1,130,000 $282,500 $4,344 3.91%
    Sikeston, MO (FHA|USDA|VA) 10 $1,130,000 $113,000 $3,273 2.84%
    COLORADO SPRINGS, CO (FHA|USDA|VA) 3 $1,125,000 $375,000 $9,062 2.71%
    Oak Harbor, WA (FHA|USDA|VA) 1 $1,115,000 $1,115,000 $15,052 3.88%
    YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 5 $1,075,000 $215,000 $6,897 3.28%
    Calhoun, GA (FHA|USDA|VA) 5 $1,045,000 $209,000 $3,275 3.30%
    BARNSTABLE TOWN, MA (FHA|USDA|VA) 4 $1,030,000 $257,500 $2,663 2.97%
    Mount Vernon, OH (FHA|USDA|VA) 4 $1,030,000 $257,500 $4,649 3.00%
    SPARTANBURG, SC (FHA|USDA|VA) 4 $1,000,000 $250,000 $4,506 3.00%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 2 $990,000 $495,000 $14,796 2.75%
    West Point, MS (FHA|USDA|VA) 5 $985,000 $197,000 $3,727 2.68%
    Murray, KY (FHA|USDA|VA) 7 $975,000 $139,286 $7,035 3.73%
    Cedartown, GA (FHA|USDA|VA) 6 $970,000 $161,667 $3,404 3.04%
    FAYETTEVILLE, NC (FHA|USDA|VA) 4 $950,000 $237,500 $6,019 3.03%
    San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 1 $945,000 $945,000 $3,411 3.50%
    SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 1 $935,000 $935,000 $11,979 3.00%
    COLUMBIA, SC (FHA|USDA|VA) 4 $910,000 $227,500 $6,043 3.62%
    Boone, NC (FHA|USDA|VA) 3 $905,000 $301,667 $3,658 2.88%
    MIDLAND, MI (FHA|USDA|VA) 6 $890,000 $148,333 $2,441 3.06%
    Richmond-Berea, KY (FHA|USDA|VA) 3 $855,000 $285,000 $3,964 3.04%
    Toccoa, GA (FHA|USDA|VA) 4 $850,000 $212,500 $4,328 3.25%
    DALTON, GA (FHA|USDA|VA) 5 $845,000 $169,000 $4,302 3.23%
    WORCESTER, MA-CT (FHA|USDA|VA) 4 $840,000 $210,000 $3,757 2.84%
    BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 2 $830,000 $415,000 $6,073 3.94%
    Marion, OH (FHA|USDA|VA) 4 $820,000 $205,000 $3,513 3.13%
    CEDAR RAPIDS, IA (FHA|USDA|VA) 5 $795,000 $159,000 $2,644 2.73%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 3 $775,000 $258,333 $4,055 3.00%
    Statesboro, GA (FHA|USDA|VA) 4 $770,000 $192,500 $3,597 3.31%
    EVANSVILLE, IN-KY (FHA|USDA|VA) 5 $755,000 $151,000 $3,216 3.28%
    GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 3 $755,000 $251,667 $3,004 3.00%
    WINSTON-SALEM, NC (FHA|USDA|VA) 3 $755,000 $251,667 $2,441 3.00%
    Newport, TN (FHA|USDA|VA) 6 $720,000 $120,000 $4,052 2.73%
    OWENSBORO, KY (FHA|USDA|VA) 3 $705,000 $235,000 $4,646 2.83%
    Dyersburg, TN (FHA|USDA|VA) 7 $705,000 $100,714 $3,509 2.77%
    Poplar Bluff, MO (FHA|USDA|VA) 5 $695,000 $139,000 $3,337 2.40%
    Morehead City, NC (FHA|USDA|VA) 2 $680,000 $340,000 $4,385 3.13%
    Mountain Home, AR (FHA|USDA|VA) 6 $660,000 $110,000 $2,495 2.73%
    CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) 3 $655,000 $218,333 $2,579 2.75%
    BATON ROUGE, LA (FHA|USDA|VA) 2 $640,000 $320,000 $6,109 2.88%
    Sandusky, OH (FHA|USDA|VA) 1 $625,000 $625,000 $12,019 2.00%
    FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 3 $615,000 $205,000 $3,394 2.96%
    Traverse City, MI (FHA|USDA|VA) 2 $610,000 $305,000 $6,844 3.06%
    FORT WAYNE, IN (FHA|USDA|VA) 3 $605,000 $201,667 $2,507 3.04%
    Helena-West Helena, AR (FHA|USDA|VA) 6 $600,000 $100,000 $4,207 2.52%
    KILLEEN-TEMPLE, TX (FHA|USDA|VA) 2 $580,000 $290,000 $8,444 2.69%
    LAS CRUCES, NM (FHA|USDA|VA) 2 $560,000 $280,000 $2,590 3.44%
    TOLEDO, OH (FHA|USDA|VA) 3 $555,000 $185,000 $2,734 3.17%
    JONESBORO, AR (FHA|USDA|VA) 3 $545,000 $181,667 $3,497 3.00%
    Milledgeville, GA (FHA|USDA|VA) 1 $545,000 $545,000 $3,476 3.13%
    Fort Payne, AL (FHA|USDA|VA) 2 $530,000 $265,000 $4,247 2.69%
    SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 1 $525,000 $525,000 $5,068 2.63%
    Batesville, AR (FHA|USDA|VA) 3 $525,000 $175,000 $6,597 2.96%
    Hope, AR (FHA|USDA|VA) 3 $525,000 $175,000 $4,644 2.79%
    Alamogordo, NM (FHA|USDA|VA) 2 $500,000 $250,000 $2,932 2.88%
    LAFAYETTE, LA (FHA|USDA|VA) 2 $500,000 $250,000 $2,179 2.50%
    DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 2 $490,000 $245,000 $1,847 2.69%
    JEFFERSON CITY, MO (FHA|USDA|VA) 2 $490,000 $245,000 $4,229 3.31%
    TOPEKA, KS (FHA|USDA|VA) 2 $480,000 $240,000 $3,969 2.56%
    Sanford, NC (FHA|USDA|VA) 2 $470,000 $235,000 $8,790 2.88%
    CORPUS CHRISTI, TX (FHA|USDA|VA) 3 $465,000 $155,000 $4,382 2.42%
    MODESTO, CA (FHA|USDA|VA) 1 $455,000 $455,000 $4,676 3.50%
    MANSFIELD, OH (FHA|USDA|VA) 4 $450,000 $112,500 $2,858 2.78%
    MANCHESTER-NASHUA, NH (FHA|USDA|VA) 2 $450,000 $225,000 $3,844 3.38%
    Zanesville, OH (FHA|USDA|VA) 3 $445,000 $148,333 $6,423 2.96%
    Mayfield, KY (FHA|USDA|VA) 1 $445,000 $445,000 $3,137 2.25%
    LANSING-EAST LANSING, MI (FHA|USDA|VA) 3 $435,000 $145,000 $3,063 3.17%
    Roanoke Rapids, NC (FHA|USDA|VA) 1 $425,000 $425,000 $2,531 2.75%
    HINESVILLE, GA (FHA|USDA|VA) 3 $425,000 $141,667 $2,348 2.63%
    EspaƱola, NM (FHA|USDA|VA) 1 $425,000 $425,000 $1,912 2.75%
    Bluefield, WV-VA (FHA|USDA|VA) 1 $425,000 $425,000 $3,279 2.88%
    Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 2 $420,000 $210,000 $2,359 2.81%
    OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 2 $420,000 $210,000 $5,065 3.50%
    SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 1 $415,000 $415,000 $2,159 2.63%
    Summerville, GA (FHA|USDA|VA) 3 $405,000 $135,000 $4,662 2.96%
    FORT COLLINS, CO (FHA|USDA|VA) 1 $405,000 $405,000 $2,309 2.75%
    Ashtabula, OH (FHA|USDA|VA) 3 $395,000 $131,667 $3,022 2.63%
    LYNCHBURG, VA (FHA|USDA|VA) 2 $370,000 $185,000 $2,482 2.44%
    GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 2 $370,000 $185,000 $3,154 3.13%
    CANTON-MASSILLON, OH (FHA|USDA|VA) 3 $365,000 $121,667 $2,775 2.88%
    Central City, KY (FHA|USDA|VA) 1 $355,000 $355,000 $3,094 2.63%
    Brainerd, MN (FHA|USDA|VA) 1 $355,000 $355,000 $3,630 2.88%
    KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 2 $350,000 $175,000 $2,435 2.56%
    ROANOKE, VA (FHA|USDA|VA) 2 $350,000 $175,000 $3,722 3.00%
    WATERLOO-CEDAR FALLS, IA (FHA|USDA|VA) 1 $335,000 $335,000 $7,790 2.63%
    THE VILLAGES, FL (FHA|USDA|VA) 1 $335,000 $335,000 $5,553 3.13%
    Adrian, MI (FHA|USDA|VA) 1 $335,000 $335,000 $3,294 3.38%
    FLORENCE, SC (FHA|USDA|VA) 1 $335,000 $335,000 $1,961 3.13%
    Atmore, AL (FHA|USDA|VA) 2 $330,000 $165,000 $5,806 2.69%
    Sebastian-Vero Beach, FL (FHA|USDA|VA) 2 $330,000 $165,000 $3,673 3.44%
    Somerset, KY (FHA|USDA|VA) 3 $325,000 $108,333 $2,484 3.71%
    Lebanon, NH-VT (FHA|USDA|VA) 1 $325,000 $325,000 $3,736 2.63%
    VICTORIA, TX (FHA|USDA|VA) 1 $325,000 $325,000 $4,908 3.38%
    BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) 1 $325,000 $325,000 $3,371 3.13%
    Watertown-Fort Atkinson, WI (FHA|USDA|VA) 1 $325,000 $325,000 $2,594 2.75%
    MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 4 $320,000 $80,000 $0 3.72%
    Searcy, AR (FHA|USDA|VA) 2 $310,000 $155,000 $2,661 3.12%
    SAGINAW, MI (FHA|USDA|VA) 2 $310,000 $155,000 $3,547 3.31%
    WICHITA, KS (FHA|USDA|VA) 2 $310,000 $155,000 $4,525 3.00%
    Georgetown, SC (FHA|USDA|VA) 1 $305,000 $305,000 $3,256 2.88%
    GRAND FORKS, ND-MN (FHA|USDA|VA) 1 $305,000 $305,000 $2,714 2.25%
    TERRE HAUTE, IN (FHA|USDA|VA) 1 $305,000 $305,000 $2,705 3.00%
    WINCHESTER, VA-WV (FHA|USDA|VA) 1 $305,000 $305,000 $2,883 3.13%
    ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 1 $305,000 $305,000 $5,246 2.88%
    VALDOSTA, GA (FHA|USDA|VA) 1 $305,000 $305,000 $249 2.25%
    PUNTA GORDA, FL (FHA|USDA|VA) 2 $300,000 $150,000 $3,419 2.94%
    CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) 1 $295,000 $295,000 $3,352 3.25%
    Brevard, NC (FHA|USDA|VA) 1 $295,000 $295,000 $2,951 2.50%
    NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 2 $290,000 $145,000 $2,945 2.44%
    Pottsville, PA (FHA|USDA|VA) 1 $285,000 $285,000 $4,087 3.38%
    SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 1 $285,000 $285,000 $7,470 2.63%
    Palatka, FL (FHA|USDA|VA) 1 $275,000 $275,000 $3,841 3.25%
    BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) 1 $275,000 $275,000 $8,246 2.88%
    HAMMOND, LA (FHA|USDA|VA) 1 $275,000 $275,000 $1,179 2.25%
    Washington, NC (FHA|USDA|VA) 1 $275,000 $275,000 $2,611 2.75%
    LINCOLN, NE (FHA|USDA|VA) 2 $270,000 $135,000 $1,915 3.50%
    BOULDER, CO (FHA|USDA|VA) 1 $265,000 $265,000 $2,092 2.99%
    EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 1 $265,000 $265,000 $3,801 2.75%
    Mount Sterling, KY (FHA|USDA|VA) 1 $265,000 $265,000 $8,764 3.63%
    GAINESVILLE, FL (FHA|USDA|VA) 1 $255,000 $255,000 $4,825 3.13%
    Paragould, AR (FHA|USDA|VA) 1 $255,000 $255,000 $1,193 2.88%
    STATE COLLEGE, PA (FHA|USDA|VA) 1 $255,000 $255,000 $3,522 2.38%
    ANN ARBOR, MI (FHA|USDA|VA) 2 $250,000 $125,000 $1,799 3.25%
    Danville, KY (FHA|USDA|VA) 2 $250,000 $125,000 $2,036 2.38%
    Oxford, MS (FHA|USDA|VA) 1 $245,000 $245,000 $2,794 3.25%
    SEBRING-AVON PARK, FL (FHA|USDA|VA) 1 $245,000 $245,000 $10,923 3.88%
    Harrison, AR (FHA|USDA|VA) 1 $245,000 $245,000 $1,918 2.25%
    Russellville, AR (FHA|USDA|VA) 1 $245,000 $245,000 $4,680 2.63%
    FORT SMITH, AR-OK (FHA|USDA|VA) 1 $245,000 $245,000 $3,446 3.25%
    SPRINGFIELD, MO (FHA|USDA|VA) 2 $240,000 $120,000 $2,630 2.50%
    Picayune, MS (FHA|USDA|VA) 1 $235,000 $235,000 $8,262 3.00%
    AMES, IA (FHA|USDA|VA) 1 $235,000 $235,000 $2,412 2.63%
    PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 1 $235,000 $235,000 $0 2.50%
    Branson, MO (FHA|USDA|VA) 1 $225,000 $225,000 $2,640 3.13%
    Natchez, MS-LA (FHA|USDA|VA) 1 $225,000 $225,000 $4,334 2.88%
    HARRISONBURG, VA (FHA|USDA|VA) 1 $225,000 $225,000 $6,937 2.38%
    Carlsbad-Artesia, NM (FHA|USDA|VA) 1 $225,000 $225,000 $4,759 4.00%
    Moultrie, GA (FHA|USDA|VA) 1 $215,000 $215,000 $3,310 3.13%
    Bardstown, KY (FHA|USDA|VA) 1 $215,000 $215,000 $3,261 2.50%
    Kill Devil Hills, NC (FHA|USDA|VA) 1 $215,000 $215,000 $2,114 2.50%
    LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 1 $205,000 $205,000 $1,318 2.75%
    HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 1 $195,000 $195,000 $5,074 2.88%
    Findlay, OH (FHA|USDA|VA) 1 $195,000 $195,000 $2,976 3.50%
    WARNER ROBINS, GA (FHA|USDA|VA) 1 $195,000 $195,000 $6,545 2.38%
    El Dorado, AR (FHA|USDA|VA) 1 $195,000 $195,000 $3,209 2.75%
    Frankfort, KY (FHA|USDA|VA) 1 $185,000 $185,000 $4,580 2.50%
    GREELEY, CO (FHA|USDA|VA) 1 $185,000 $185,000 $3,378 2.50%
    MANHATTAN, KS (FHA|USDA|VA) 1 $185,000 $185,000 $2,201 2.63%
    Thomaston, GA (FHA|USDA|VA) 1 $175,000 $175,000 $3,356 4.13%
    Troy, AL (FHA|USDA|VA) 1 $175,000 $175,000 $4,611 3.00%
    Warrensburg, MO (FHA|USDA|VA) 1 $165,000 $165,000 $9,467 2.63%
    GREENVILLE, NC (FHA|USDA|VA) 1 $165,000 $165,000 $4,948 2.88%
    Shelby, NC (FHA|USDA|VA) 1 $165,000 $165,000 $3,235 3.88%
    Pinehurst-Southern Pines, NC (FHA|USDA|VA) 1 $165,000 $165,000 $4,892 2.13%
    SALT LAKE CITY, UT (FHA|USDA|VA) 1 $165,000 $165,000 $3,357 3.25%
    Bay City, TX (FHA|USDA|VA) 1 $165,000 $165,000 $5,959 3.00%
    Blytheville, AR (FHA|USDA|VA) 2 $160,000 $80,000 $2,700 2.38%
    TALLAHASSEE, FL (FHA|USDA|VA) 1 $155,000 $155,000 $5,999 3.63%
    Grenada, MS (FHA|USDA|VA) 1 $155,000 $155,000 $2,597 3.50%
    PEORIA, IL (FHA|USDA|VA) 1 $155,000 $155,000 $2,514 3.25%
    SPRINGFIELD, OH (FHA|USDA|VA) 1 $155,000 $155,000 $3,005 3.00%
    ENID, OK (FHA|USDA|VA) 1 $155,000 $155,000 $3,685 3.38%
    BLOOMINGTON, IN (FHA|USDA|VA) 1 $155,000 $155,000 $2,728 3.50%
    Dublin, GA (FHA|USDA|VA) 1 $155,000 $155,000 $3,899 2.25%
    Defiance, OH (FHA|USDA|VA) 1 $155,000 $155,000 $3,885 3.13%
    BLOOMINGTON, IL (FHA|USDA|VA) 1 $145,000 $145,000 $4,211 3.63%
    Clarksdale, MS (FHA|USDA|VA) 1 $145,000 $145,000 $5,128 2.63%
    Washington Court House, OH (FHA|USDA|VA) 1 $145,000 $145,000 $7,231 2.75%
    PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 1 $145,000 $145,000 $4,307 2.25%
    Ozark, AL (FHA|USDA|VA) 1 $145,000 $145,000 $4,991 3.50%
    Ontario, OR-ID (FHA|USDA|VA) 1 $145,000 $145,000 $3,656 3.00%
    Big Stone Gap, VA (FHA|USDA|VA) 1 $145,000 $145,000 $4,386 2.50%
    Martinsville, VA (FHA|USDA|VA) 1 $145,000 $145,000 $6,169 3.25%
    Americus, GA (FHA|USDA|VA) 1 $145,000 $145,000 $5,789 2.99%
    HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 1 $145,000 $145,000 $3,285 3.88%
    MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 1 $135,000 $135,000 $6,377 2.88%
    CHARLESTON, WV (FHA|USDA|VA) 1 $135,000 $135,000 $5,747 3.00%
    SALISBURY, MD-DE (FHA|USDA|VA) 1 $135,000 $135,000 $3,929 3.38%
    HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 1 $125,000 $125,000 $3,070 2.88%
    Kinston, NC (FHA|USDA|VA) 1 $115,000 $115,000 $2,077 2.88%
    Roswell, NM (FHA|USDA|VA) 1 $115,000 $115,000 $3,904 3.75%
    Mount Airy, NC (FHA|USDA|VA) 1 $115,000 $115,000 $2,222 2.50%
    HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 1 $115,000 $115,000 $8,548 4.25%
    Paducah, KY-IL (FHA|USDA|VA) 1 $115,000 $115,000 $3,391 2.88%
    Enterprise, AL (FHA|USDA|VA) 1 $105,000 $105,000 $3,207 2.13%
    LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 1 $105,000 $105,000 $4,648 3.13%
    Salem, OH (FHA|USDA|VA) 1 $105,000 $105,000 $2,958 3.25%
    Farmington, MO (FHA|USDA|VA) 1 $95,000 $95,000 $2,590 2.25%
    AMARILLO, TX (FHA|USDA|VA) 1 $95,000 $95,000 $4,009 2.63%
    ALBANY, GA (FHA|USDA|VA) 1 $95,000 $95,000 $2,821 2.63%
    BOISE CITY, ID (FHA|USDA|VA) 1 $95,000 $95,000 $3,251 3.25%
    PINE BLUFF, AR (FHA|USDA|VA) 1 $85,000 $85,000 $3,208 3.88%
    Greenville, MS (FHA|USDA|VA) 1 $85,000 $85,000 $2,890 2.63%
    Corinth, MS (FHA|USDA|VA) 1 $85,000 $85,000 $3,028 2.88%
    BAY CITY, MI (FHA|USDA|VA) 1 $85,000 $85,000 $4,649 3.00%
    HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 1 $75,000 $75,000 $3,170 2.88%
    Selma, AL (FHA|USDA|VA) 1 $75,000 $75,000 $3,902 2.88%
    Kennett, MO (FHA|USDA|VA) 1 $75,000 $75,000 $2,977 2.75%
    Sedalia, MO (FHA|USDA|VA) 1 $75,000 $75,000 $3,149 2.88%
    Indianola, MS (FHA|USDA|VA) 1 $75,000 $75,000 $3,426 3.13%
    New Philadelphia-Dover, OH (FHA|USDA|VA) 1 $75,000 $75,000 $1,548 2.75%
    Hobbs, NM (FHA|USDA|VA) 1 $75,000 $75,000 $5,686 3.75%
    First Community Mortgage's top markets include Nashville, Atlanta, Knoxville, Pensacola, and Shelbyville among others.

    Their top states include:
  • Tennessee (FHA|USDA|VA)
  • Georgia (FHA|USDA|VA)
  • Alabama (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Ohio (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 9,113 $2,379,845,000 $261,148 $4,068 3.13%
    FHA 1,456 $330,080,000 $226,703 $8,031 3.07%
    VA 1,077 $312,685,000 $290,330 $6,227 2.73%
    USDA 636 $109,970,000 $172,909 $5,088 2.98%

    For 2021, First Community Mortgage's most frequently originated type of loan was Conventional, with 9,113 originations. Their 2nd most popular type was FHA, with 1,456 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 6,637 $1,762,285,000 $265,524 $5,590 3.20%
    Refi 3,137 $778,355,000 $248,121 $3,635 2.82%
    Cash Out Refi 2,508 $591,940,000 $236,021 $4,217 3.08%

    For 2021, First Community Mortgage's most frequently cited loan purpose was Home Purchase, with 6,637 originations. The 2nd most popular reason was Refi, with 3,137 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 10,332 $2,737,830,000 $264,985 $5,072 3.16%
    15 Year 1,234 $245,500,000 $198,947 $3,414 2.52%
    20 Year 490 $104,120,000 $212,490 $3,460 2.90%
    Other 125 $28,875,000 $231,000 $3,919 3.18%
    10 Year 98 $15,050,000 $153,571 $2,958 2.44%
    30+ year 3 $1,205,000 $401,667 $8,044 4.17%

    For 2021, First Community Mortgage's most frequently cited loan duration was 30 Year, with 10,332 originations. The 2nd most popular length was 15 Year, with 1,234 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 5,469 $1,364,095,000 $249,423
    $<1k 2,928 $750,200,000 $256,216
    $2k-3k 1,487 $345,105,000 $232,081
    $3k-4k 757 $195,785,000 $258,633
    $5k+ 670 $261,640,000 $390,507
    $4k-5k 445 $118,315,000 $265,876

    First Community Mortgage's average total fees were $5,072, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 5,469 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    2.5-3% 5,155 $1,324,425,000 $256,920
    3-4% 4,790 $1,266,820,000 $264,472
    <2.5% 1,825 $436,265,000 $239,049
    4-5% 304 $60,710,000 $199,704
    6-7% 132 $29,610,000 $224,318
    7-8% 51 $10,485,000 $205,588
    Over 8% 13 $2,455,000 $188,846
    5-6% 12 $1,810,000 $150,833

    During 2021, First Community Mortgage's average interest rate for loans was 3.16%, while their most frequently originated rate bucket for loans was 2.5-3%, with 5,155 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 6,084 $1,683,390,000 $276,691 $5,118 3.07%
    $100k-200k 4,064 $627,110,000 $154,309 $4,028 3.11%
    $400k-600k 1,184 $562,450,000 $475,042 $5,870 3.01%
    $100,000 or less 720 $57,140,000 $79,361 $3,173 3.11%
    $600k-1MM 173 $128,535,000 $742,977 $7,850 3.13%
    $1MM+ 57 $73,955,000 $1,297,456 $12,851 3.17%

    2021 saw First Community Mortgage place emphasis on $200k-400k loans with 6,084 originations, totaling $1,683,390,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 3,329 $715,185,000 $214,835 $4,925 3.11%
    $50k or less 2,441 $398,345,000 $163,189 $4,537 3.13%
    $100k-150k 2,310 $686,230,000 $297,069 $4,865 3.04%
    $75k-100k 2,177 $549,845,000 $252,570 $4,997 3.09%
    $150k-250k 1,248 $456,180,000 $365,529 $4,705 3.05%
    $250k+ 501 $255,625,000 $510,230 $5,861 3.10%

    First Community Mortgage lent most frequently to those with incomes in the $50k-75k range, with 3,329 originations. The second most popular income band? $50k or less, with 2,441 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 2,667 $665,715,000 $249,612 $4,252 3.04%
    30-36% 2,259 $580,515,000 $256,979 $4,694 3.11%
    <20% 898 $219,950,000 $244,933 $3,650 2.92%
    44% 527 $134,425,000 $255,076 $5,064 3.11%
    40% 501 $129,275,000 $258,034 $5,078 3.18%
    43% 499 $123,905,000 $248,307 $5,029 3.12%
    41% 476 $121,410,000 $255,063 $4,810 3.12%
    42% 475 $124,955,000 $263,063 $5,268 3.27%
    50-60% 461 $120,905,000 $262,267 $8,066 2.98%
    38% 449 $115,115,000 $256,381 $4,737 3.12%
    37% 447 $113,865,000 $254,732 $4,688 3.15%
    39% 433 $111,935,000 $258,510 $5,192 3.14%
    36% 427 $109,035,000 $255,351 $4,622 3.12%
    46% 304 $79,700,000 $262,171 $5,770 3.12%
    45% 301 $75,465,000 $250,714 $5,312 3.07%
    49% 293 $79,285,000 $270,597 $5,813 3.18%
    48% 288 $74,630,000 $259,132 $5,648 3.13%
    47% 280 $73,490,000 $262,464 $5,517 3.12%
    >60% 12 $3,750,000 $312,500 $8,837 2.78%

    First Community Mortgage lent most frequently to those with DTI ratios of 20-30%, with 2,667 originations. The next most common DTI ratio? 30-36%, with 2,259 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 9,576 $2,413,940,000 $252,082 $4,750 3.07%
    Not provided 1,753 $482,105,000 $275,017 $4,739 3.11%
    Black 755 $182,675,000 $241,954 $5,839 3.06%
    Asian 170 $47,840,000 $281,412 $4,663 3.11%
    American Indian 16 $3,260,000 $203,750 $4,270 3.16%
    Native Hawaiian or Islander 9 $2,035,000 $226,111 $3,519 3.10%
    Other Asian 1 $315,000 $315,000 $2,725 2.25%
    Vietnamese 1 $235,000 $235,000 $5,274 3.00%
    Other Pacific Islander 1 $175,000 $175,000 $4,467 3.25%

    Approval Rates

    Total approvals of all applications
    90.99%

    First Community Mortgage has an average approval rate.

    Pick Rate

    Approvals leading to origination
    91.06%

    First Community Mortgage has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 12,282 $3,132,580,000 $255,055

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    12,282 $3,132,580,000 $255,055

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 405 $67,115,000 $165,716 $3,209 2.78%
    40-60% 1,538 $331,160,000 $215,319 $3,468 2.89%
    60-80% 4,134 $1,109,730,000 $268,440 $4,240 3.17%
    80-100% 5,678 $1,481,700,000 $260,955 $5,479 3.12%
    Over 100% 229 $69,205,000 $302,205 $11,535 2.83%
    Under 20% 25 $3,575,000 $143,000 $3,135 2.86%

    Complaints

    Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
    FIRST COMMUNITY MORTGAGE, INC. Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 1 16.7%
    FIRST COMMUNITY MORTGAGE, INC. Conventional home mortgage Struggling to pay mortgage 1 16.7%
    FIRST COMMUNITY MORTGAGE, INC. Conventional home mortgage Trouble during payment process 4 66.7%