First Community Mortgage Rates, Fees & Info
SHELBYVILLE, TNLEI: 549300R0SXC1JU7ZU290
Tax ID: 41-2031753
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Mortgage Data
Review & Overview
First Community Mortgage is a small mortgage company specializing in Home Purchase loans. First Community Mortgage has a high proportion of conventional loans. They have an average proportion of FHA loans. Their top markets by origination volume include: Nashville, Kansas City, Atlanta, Knoxville, and Minneapolis among others. We have data for 282 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 | 7.06% | 12/17/24 |
| 30 Year Conventional Refi | 6.58% | 12/17/24 |
| 30 Year Cash-out Refi | 6.82% | 12/17/24 |
| 30 Year FHA Purchase | 7.38% | 12/17/24 |
| 30 Year FHA Refi | 7.17% | 12/17/24 |
| 30 Year VA Purchase | 6.29% | 12/17/24 |
| 30 Year VA Refi | 5.99% | 12/17/24 |
| 30 Year USDA Purchase | 6.88% | 12/17/24 |
| 15 Year Conventional Purchase | 6.33% | 12/17/24 |
| 15 Year Conventional Refi | 6.02% | 12/17/24 |
| 15 Year Cash-out Refi | 6.02% | 12/17/24 |
| 15 Year VA Purchase | 6.45% | 12/17/24 |
| 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. | ||
First Community Mortgage Mortgage Calculator
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This is not an official calculator from First Community Mortgage. It uses our SimulatedRate™
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
7,136Origination Dollar Volume (All Markets)
$1,454,690,000Awards
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FIRST COMMUNITY MORTGAGE - 2018
FIRST COMMUNITY MORTGAGE is a 2018 , due to their low .
For 2018, less than of lenders were eligible for this award.
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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) | 2,045 | $493,675,000 | $241,406 | $5,264 | 4.77% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 601 | $123,325,000 | $205,200 | $3,758 | 4.66% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 461 | $87,025,000 | $188,774 | $5,027 | 4.69% |
| Outside of Metro Areas | 469 | $66,955,000 | $142,761 | $4,370 | 4.68% |
| KNOXVILLE, TN (FHA|USDA|VA) | 291 | $53,105,000 | $182,491 | $4,880 | 4.73% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 185 | $41,775,000 | $225,811 | $5,335 | 4.96% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 106 | $32,520,000 | $306,792 | $3,554 | 4.50% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 120 | $28,310,000 | $235,917 | $3,420 | 4.73% |
| Mountain Home, AR (FHA|USDA|VA) | 192 | $25,590,000 | $133,281 | $2,711 | 4.69% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 122 | $23,040,000 | $188,852 | $4,257 | 4.63% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 65 | $22,385,000 | $344,385 | $4,470 | 4.57% |
| Alamogordo, NM (FHA|USDA|VA) | 111 | $20,175,000 | $181,757 | $4,989 | 4.63% |
| COLUMBUS, OH (FHA|USDA|VA) | 100 | $18,490,000 | $184,900 | $4,384 | 4.79% |
| Tullahoma-Manchester, TN (FHA|USDA|VA) | 116 | $18,420,000 | $158,793 | $4,262 | 4.80% |
| Shelbyville, TN (FHA|USDA|VA) | 98 | $17,470,000 | $178,265 | $4,750 | 4.81% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 62 | $17,350,000 | $279,839 | $4,795 | 4.80% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 97 | $16,725,000 | $172,423 | $5,481 | 4.87% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 68 | $15,200,000 | $223,529 | $3,487 | 4.79% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 66 | $15,060,000 | $228,182 | $4,560 | 4.74% |
| Athens, TN (FHA|USDA|VA) | 86 | $11,410,000 | $132,674 | $4,118 | 4.81% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 36 | $10,800,000 | $300,000 | $5,376 | 4.58% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 36 | $10,600,000 | $294,444 | $6,746 | 4.38% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 41 | $10,485,000 | $255,732 | $5,818 | 4.80% |
| JACKSON, TN (FHA|USDA|VA) | 81 | $10,365,000 | $127,963 | $6,507 | 4.64% |
| PITTSBURGH, PA (FHA|USDA|VA) | 57 | $9,585,000 | $168,158 | $4,688 | 4.83% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 50 | $7,480,000 | $149,600 | $4,873 | 4.64% |
| Lewisburg, TN (FHA|USDA|VA) | 36 | $7,170,000 | $199,167 | $5,242 | 4.90% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 39 | $6,625,000 | $169,872 | $4,561 | 4.81% |
| Laramie, WY (FHA|USDA|VA) | 30 | $6,490,000 | $216,333 | $3,384 | 4.93% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 38 | $6,370,000 | $167,632 | $3,461 | 5.03% |
| GAINESVILLE, GA (FHA|USDA|VA) | 29 | $6,185,000 | $213,276 | $4,520 | 4.91% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 28 | $5,480,000 | $195,714 | $4,330 | 4.48% |
| FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) | 32 | $5,380,000 | $168,125 | $3,290 | 4.25% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 32 | $4,980,000 | $155,625 | $3,932 | 4.50% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 16 | $4,820,000 | $301,250 | $6,668 | 4.73% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 23 | $4,685,000 | $203,696 | $4,386 | 4.67% |
| HINESVILLE, GA (FHA|USDA|VA) | 23 | $4,535,000 | $197,174 | $4,767 | 4.84% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 33 | $4,425,000 | $134,091 | $6,330 | 4.70% |
| Arkadelphia, AR (FHA|USDA|VA) | 32 | $4,290,000 | $134,063 | $3,750 | 4.47% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 20 | $4,190,000 | $209,500 | $3,111 | 4.47% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 21 | $4,165,000 | $198,333 | $2,845 | 4.80% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 14 | $3,590,000 | $256,429 | $3,862 | 4.49% |
| SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) | 17 | $3,535,000 | $207,941 | $5,137 | 4.48% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 11 | $3,245,000 | $295,000 | $7,188 | 4.50% |
| HOT SPRINGS, AR (FHA|USDA|VA) | 13 | $3,215,000 | $247,308 | $3,921 | 4.53% |
| CLEVELAND, TN (FHA|USDA|VA) | 27 | $3,215,000 | $119,074 | $5,494 | 4.79% |
| HATTIESBURG, MS (FHA|USDA|VA) | 21 | $3,155,000 | $150,238 | $4,157 | 4.58% |
| LOUISVILLE, KY (FHA|USDA|VA) | 15 | $3,015,000 | $201,000 | $5,069 | 4.63% |
| Corinth, MS (FHA|USDA|VA) | 20 | $3,010,000 | $150,500 | $4,008 | 4.71% |
| JACKSON, MS (FHA|USDA|VA) | 14 | $2,950,000 | $210,714 | $3,832 | 4.45% |
| Harrison, AR (FHA|USDA|VA) | 23 | $2,935,000 | $127,609 | $2,381 | 4.79% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 12 | $2,870,000 | $239,167 | $5,300 | 4.71% |
| JOHNSON CITY, TN (FHA|USDA|VA) | 21 | $2,865,000 | $136,429 | $4,093 | 4.90% |
| WICHITA, KS (FHA|USDA|VA) | 14 | $2,800,000 | $200,000 | $4,515 | 4.44% |
| Cullman, AL (FHA|USDA|VA) | 12 | $2,760,000 | $230,000 | $5,511 | 4.31% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 13 | $2,735,000 | $210,385 | $5,172 | 4.35% |
| HAMMOND, LA (FHA|USDA|VA) | 18 | $2,590,000 | $143,889 | $4,526 | 4.83% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 9 | $2,495,000 | $277,222 | $4,246 | 4.69% |
| Bardstown, KY (FHA|USDA|VA) | 15 | $2,375,000 | $158,333 | $3,998 | 5.11% |
| Tupelo, MS (FHA|USDA|VA) | 24 | $2,370,000 | $98,750 | $3,826 | 4.79% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 10 | $2,350,000 | $235,000 | $5,850 | 4.34% |
| Martin, TN (FHA|USDA|VA) | 22 | $2,190,000 | $99,545 | $5,163 | 4.65% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 10 | $2,120,000 | $212,000 | $4,093 | 4.70% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 7 | $2,075,000 | $296,429 | $5,614 | 4.54% |
| GOLDSBORO, NC (FHA|USDA|VA) | 13 | $2,035,000 | $156,538 | $3,745 | 4.46% |
| Batesville, AR (FHA|USDA|VA) | 18 | $1,970,000 | $109,444 | $2,487 | 4.86% |
| AKRON, OH (FHA|USDA|VA) | 10 | $1,910,000 | $191,000 | $4,974 | 4.47% |
| McMinnville, TN (FHA|USDA|VA) | 18 | $1,880,000 | $104,444 | $4,895 | 4.84% |
| RICHMOND, VA (FHA|USDA|VA) | 8 | $1,870,000 | $233,750 | $5,077 | 4.64% |
| MORRISTOWN, TN (FHA|USDA|VA) | 11 | $1,855,000 | $168,636 | $4,440 | 4.77% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 8 | $1,790,000 | $223,750 | $5,853 | 4.53% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 7 | $1,665,000 | $237,857 | $4,891 | 4.95% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 10 | $1,590,000 | $159,000 | $5,018 | 4.71% |
| Sevierville, TN (FHA|USDA|VA) | 9 | $1,555,000 | $172,778 | $5,951 | 4.78% |
| Cookeville, TN (FHA|USDA|VA) | 9 | $1,535,000 | $170,556 | $4,666 | 4.78% |
| LAFAYETTE, LA (FHA|USDA|VA) | 5 | $1,505,000 | $301,000 | $4,208 | 4.13% |
| Paris, TN (FHA|USDA|VA) | 9 | $1,475,000 | $163,889 | $4,065 | 4.46% |
| KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) | 10 | $1,450,000 | $145,000 | $5,110 | 4.85% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 5 | $1,405,000 | $281,000 | $5,669 | 4.28% |
| TOLEDO, OH (FHA|USDA|VA) | 7 | $1,365,000 | $195,000 | $5,641 | 4.82% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 6 | $1,240,000 | $206,667 | $3,562 | 4.44% |
| CHEYENNE, WY (FHA|USDA|VA) | 5 | $1,215,000 | $243,000 | $2,906 | 4.65% |
| LINCOLN, NE (FHA|USDA|VA) | 5 | $1,205,000 | $241,000 | $2,983 | 4.68% |
| BOWLING GREEN, KY (FHA|USDA|VA) | 5 | $1,175,000 | $235,000 | $4,556 | 4.35% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 9 | $1,165,000 | $129,444 | $4,834 | 4.58% |
| BATON ROUGE, LA (FHA|USDA|VA) | 6 | $1,160,000 | $193,333 | $6,329 | 4.44% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 7 | $1,135,000 | $162,143 | $3,379 | 4.63% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 4 | $1,090,000 | $272,500 | $6,578 | 4.63% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 5 | $1,085,000 | $217,000 | $3,152 | 4.65% |
| SAVANNAH, GA (FHA|USDA|VA) | 5 | $1,085,000 | $217,000 | $6,104 | 4.45% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 4 | $1,060,000 | $265,000 | $6,226 | 4.41% |
| Malvern, AR (FHA|USDA|VA) | 7 | $1,035,000 | $147,857 | $3,448 | 4.96% |
| SIOUX CITY, IA-NE-SD (FHA|USDA|VA) | 4 | $960,000 | $240,000 | $4,070 | 5.13% |
| Dayton, TN (FHA|USDA|VA) | 7 | $935,000 | $133,571 | $6,520 | 5.09% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 3 | $935,000 | $311,667 | $5,917 | 4.63% |
| Lawrenceburg, TN (FHA|USDA|VA) | 7 | $905,000 | $129,286 | $4,244 | 4.80% |
| ROME, GA (FHA|USDA|VA) | 5 | $855,000 | $171,000 | $4,602 | 4.97% |
| DECATUR, AL (FHA|USDA|VA) | 6 | $850,000 | $141,667 | $2,329 | 4.31% |
| Bogalusa, LA (FHA|USDA|VA) | 8 | $840,000 | $105,000 | $4,516 | 4.78% |
| Meridian, MS (FHA|USDA|VA) | 7 | $835,000 | $119,286 | $4,419 | 4.82% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 2 | $820,000 | $410,000 | $5,203 | 5.38% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 2 | $810,000 | $405,000 | $5,341 | 4.63% |
| Brainerd, MN (FHA|USDA|VA) | 4 | $810,000 | $202,500 | $4,193 | 5.16% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 3 | $805,000 | $268,333 | $10,637 | 4.79% |
| TULSA, OK (FHA|USDA|VA) | 3 | $785,000 | $261,667 | $8,619 | 4.29% |
| Cedartown, GA (FHA|USDA|VA) | 7 | $775,000 | $110,714 | $4,256 | 4.77% |
| Greeneville, TN (FHA|USDA|VA) | 7 | $735,000 | $105,000 | $4,042 | 4.57% |
| GREELEY, CO (FHA|USDA|VA) | 2 | $730,000 | $365,000 | $6,927 | 4.25% |
| Talladega-Sylacauga, AL (FHA|USDA|VA) | 3 | $705,000 | $235,000 | $3,564 | 5.33% |
| FORT WAYNE, IN (FHA|USDA|VA) | 4 | $700,000 | $175,000 | $3,966 | 4.81% |
| Warrensburg, MO (FHA|USDA|VA) | 4 | $690,000 | $172,500 | $4,583 | 4.69% |
| Union City, TN (FHA|USDA|VA) | 7 | $685,000 | $97,857 | $6,162 | 4.59% |
| Richmond-Berea, KY (FHA|USDA|VA) | 2 | $660,000 | $330,000 | $5,611 | 5.13% |
| ST. CLOUD, MN (FHA|USDA|VA) | 3 | $645,000 | $215,000 | $6,585 | 5.04% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 2 | $640,000 | $320,000 | $5,116 | 4.75% |
| MOBILE, AL (FHA|USDA|VA) | 3 | $635,000 | $211,667 | $6,343 | 4.29% |
| ST. JOSEPH, MO-KS (FHA|USDA|VA) | 2 | $630,000 | $315,000 | $5,839 | 4.63% |
| WINCHESTER, VA-WV (FHA|USDA|VA) | 2 | $630,000 | $315,000 | $6,889 | 4.50% |
| Ashtabula, OH (FHA|USDA|VA) | 4 | $630,000 | $157,500 | $5,329 | 4.72% |
| ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) | 5 | $625,000 | $125,000 | $3,160 | 4.43% |
| LYNCHBURG, VA (FHA|USDA|VA) | 2 | $620,000 | $310,000 | $6,978 | 4.13% |
| Morehead City, NC (FHA|USDA|VA) | 3 | $615,000 | $205,000 | $2,834 | 4.83% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 3 | $575,000 | $191,667 | $7,868 | 3.96% |
| LANCASTER, PA (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $5,464 | 4.00% |
| Toccoa, GA (FHA|USDA|VA) | 3 | $535,000 | $178,333 | $4,650 | 5.08% |
| BOULDER, CO (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $3,420 | 4.94% |
| BOISE CITY, ID (FHA|USDA|VA) | 3 | $525,000 | $175,000 | $4,665 | 4.63% |
| Jefferson, GA (FHA|USDA|VA) | 3 | $525,000 | $175,000 | $4,345 | 4.71% |
| Crossville, TN (FHA|USDA|VA) | 6 | $520,000 | $86,667 | $4,392 | 5.00% |
| Brownsville, TN (FHA|USDA|VA) | 5 | $515,000 | $103,000 | $5,969 | 4.40% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 3 | $515,000 | $171,667 | $4,330 | 4.25% |
| Frankfort, KY (FHA|USDA|VA) | 3 | $515,000 | $171,667 | $3,199 | 4.54% |
| MANKATO, MN (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $5,541 | 6.00% |
| ASHEVILLE, NC (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $4,792 | 4.31% |
| New Philadelphia-Dover, OH (FHA|USDA|VA) | 3 | $475,000 | $158,333 | $6,351 | 4.50% |
| OWENSBORO, KY (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $3,209 | 4.75% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $5,557 | 4.50% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $8,362 | 4.31% |
| TOPEKA, KS (FHA|USDA|VA) | 3 | $465,000 | $155,000 | $2,818 | 4.29% |
| McComb, MS (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $4,309 | 4.44% |
| Cornelia, GA (FHA|USDA|VA) | 3 | $455,000 | $151,667 | $6,587 | 5.25% |
| Somerset, PA (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $5,312 | 4.88% |
| JOPLIN, MO (FHA|USDA|VA) | 3 | $445,000 | $148,333 | $4,530 | 4.33% |
| Laurel, MS (FHA|USDA|VA) | 3 | $435,000 | $145,000 | $3,816 | 4.71% |
| CEDAR RAPIDS, IA (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $5,825 | 4.38% |
| PANAMA CITY, FL (FHA|USDA|VA) | 3 | $425,000 | $141,667 | $5,080 | 4.75% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $4,809 | 4.50% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $6,525 | 5.06% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 4 | $420,000 | $105,000 | $4,613 | 4.56% |
| DULUTH, MN-WI (FHA|USDA|VA) | 3 | $415,000 | $138,333 | $4,077 | 4.79% |
| JEFFERSON CITY, MO (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $9,398 | 4.63% |
| IOWA CITY, IA (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $2,965 | 4.88% |
| Scottsboro, AL (FHA|USDA|VA) | 3 | $405,000 | $135,000 | $4,415 | 4.29% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $4,787 | 4.56% |
| Mount Vernon, OH (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $4,392 | 4.56% |
| Milledgeville, GA (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $3,877 | 4.13% |
| Sanford, NC (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $11,051 | 4.13% |
| Ruidoso, NM (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $3,739 | 4.63% |
| Dyersburg, TN (FHA|USDA|VA) | 3 | $375,000 | $125,000 | $7,897 | 4.46% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $5,660 | 4.50% |
| ANN ARBOR, MI (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $5,435 | 4.31% |
| SANTA FE, NM (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $2,476 | 4.56% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $7,328 | 4.38% |
| Breckenridge, CO (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $2,106 | 4.63% |
| MANHATTAN, KS (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $5,172 | 5.00% |
| ST. GEORGE, UT (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $3,779 | 4.75% |
| BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $3,289 | 4.06% |
| LAWRENCE, KS (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $4,869 | 4.25% |
| FORT COLLINS, CO (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $2,637 | 4.25% |
| DOTHAN, AL (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $7,691 | 4.00% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $3,880 | 4.19% |
| Brevard, NC (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $14,974 | 4.50% |
| Mineral Wells, TX (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $12,873 | 4.50% |
| Hutchinson, MN (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $3,415 | 4.75% |
| MONTGOMERY, AL (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $6,123 | 4.25% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $6,063 | 4.69% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $1,647 | 4.63% |
| GAINESVILLE, FL (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $5,879 | 4.88% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $19,027 | 4.25% |
| COLUMBIA, SC (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $15,755 | 4.00% |
| Kalispell, MT (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $10,262 | 4.63% |
| Keene, NH (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $4,037 | 4.75% |
| Fremont, NE (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $3,553 | 5.13% |
| MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $9,742 | 4.13% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $0 | 5.06% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $7,746 | 4.25% |
| Calhoun, GA (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $6,296 | 4.50% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $8,492 | 4.13% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $8,453 | 5.50% |
| Traverse City, MI (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $7,178 | 4.00% |
| Rexburg, ID (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $4,289 | 5.25% |
| HARRISONBURG, VA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $8,071 | 4.38% |
| Zanesville, OH (FHA|USDA|VA) | 3 | $255,000 | $85,000 | $2,423 | 5.08% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $6,992 | 4.38% |
| SUMTER, SC (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $7,401 | 3.75% |
| FLINT, MI (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $4,915 | 4.25% |
| Rochelle, IL (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $4,803 | 4.50% |
| SIOUX FALLS, SD (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $7,997 | 4.63% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $0 | 4.88% |
| LAS CRUCES, NM (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $6,849 | 4.38% |
| SPRINGFIELD, OH (FHA|USDA|VA) | 2 | $220,000 | $110,000 | $5,314 | 5.00% |
| BLOOMINGTON, IN (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $7,660 | 4.63% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $4,687 | 4.75% |
| Evanston, WY (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,633 | 5.13% |
| EL PASO, TX (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $8,006 | 4.88% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $7,426 | 4.25% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $8,154 | 4.75% |
| NORWICH-NEW LONDON, CT (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $7,557 | 4.38% |
| Brookhaven, MS (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,065 | 5.00% |
| ERIE, PA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $7,667 | 4.38% |
| Boone, NC (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $2,793 | 4.25% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $0 | 5.38% |
| LOGAN, UT-ID (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $6,420 | 4.63% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $3,653 | 4.88% |
| CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $6,511 | 3.75% |
| Willmar, MN (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $1,727 | 4.13% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $5,770 | 5.88% |
| BURLINGTON, NC (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,609 | 5.00% |
| Farmington, MO (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $1,113 | 4.25% |
| Oxford, MS (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,394 | 4.88% |
| Ruston, LA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $6,135 | 4.38% |
| Sault Ste. Marie, MI (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $5,835 | 4.50% |
| LaGrange, GA-AL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $5,849 | 5.13% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $8,051 | 3.88% |
| CANTON-MASSILLON, OH (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $8,471 | 4.38% |
| Maryville, MO (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $1,988 | 5.13% |
| CASPER, WY (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,321 | 5.13% |
| Newport, TN (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $5,420 | 3.75% |
| Searcy, AR (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,696 | 5.38% |
| Aberdeen, SD (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $4,180 | 3.75% |
| ANNISTON-OXFORD, AL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $5,712 | 4.63% |
| NEW BERN, NC (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,464 | 4.75% |
| Starkville, MS (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,231 | 4.13% |
| VALDOSTA, GA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $5,307 | 5.00% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $7,104 | 4.00% |
| ROCHESTER, MN (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $4,389 | 6.50% |
| Carroll, IA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,965 | 4.63% |
| GADSDEN, AL (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $4,891 | 4.13% |
| MONROE, MI (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $5,367 | 4.38% |
| MISSOULA, MT (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $4,897 | 3.99% |
| Wilson, NC (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $4,153 | 3.63% |
| Camden, AR (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $5,224 | 4.38% |
| Marion, OH (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $4,451 | 5.50% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $9,693 | 4.25% |
| STAUNTON, VA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $4,696 | 4.25% |
| CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,925 | 4.63% |
| LEWISTON-AUBURN, ME (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,960 | 4.75% |
| Roswell, NM (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,802 | 4.38% |
| EVANSVILLE, IN-KY (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $4,751 | 4.75% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 4.63% |
| GREENVILLE, NC (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $5,412 | 5.63% |
| Branson, MO (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $4,259 | 4.88% |
| North Vernon, IN (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,504 | 4.38% |
| JONESBORO, AR (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,934 | 4.75% |
| Auburn, IN (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $8,319 | 4.25% |
| MUNCIE, IN (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $7,840 | 4.88% |
| PINE BLUFF, AR (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $2,999 | 4.88% |
| TWIN FALLS, ID (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $6,265 | 4.50% |
| Clarksburg, WV (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $5,168 | 4.38% |
| FARMINGTON, NM (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $5,896 | 4.88% |
| OCALA, FL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,933 | 4.75% |
| Ashland, OH (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $4,035 | 4.88% |
| Marietta, OH (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $5,086 | 4.50% |
| Houghton, MI (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,308 | 5.00% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 3.75% |
| Red Wing, MN (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $5,752 | 4.75% |
| Riverton, WY (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $6,068 | 5.25% |
| TUCSON, AZ (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $3,821 | 4.75% |
| Danville, KY (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $3,919 | 4.50% |
| RAPID CITY, SD (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $3,165 | 4.38% |
| Winona, MN (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $3,885 | 4.88% |
| Chillicothe, OH (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 3.63% |
| MUSKEGON, MI (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $3,886 | 5.63% |
| Mount Sterling, KY (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $2,284 | 4.50% |
| Middlesborough, KY (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $3,163 | 5.13% |
| Wabash, IN (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $3,509 | 5.13% |
| Glasgow, KY (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $3,897 | 5.13% |
| DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $4,574 | 3.88% |
| Orangeburg, SC (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $3,142 | 4.88% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $3,875 | 4.50% |
| Hope, AR (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $4,581 | 4.50% |
| Minden, LA (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $968 | 4.50% |
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Product Mix
For 2018, First Community Mortgage's most frequently originated type of loan was Conventional, with 3,738 originations. Their 2nd most popular type was FHA, with 1,708 originations.
Loan Reason
For 2018, First Community Mortgage's most frequently cited loan purpose was Home Purchase, with 5,839 originations. The 2nd most popular reason was Cash Out Refi, with 830 originations.
Loan Duration/Length
For 2018, First Community Mortgage's most frequently cited loan duration was 30 Year, with 6,610 originations. The 2nd most popular length was 15 Year, with 302 originations.
Origination Fees/Closing Costs
First Community Mortgage's average total fees were $4,757, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 2,596 originations.
Interest Rates
During 2018, First Community Mortgage's average interest rate for loans was 4.74%, while their most frequently originated rate bucket for loans was 4-5%, with 5,228 originations.
Loan Sizing
2018 saw First Community Mortgage place emphasis on $100k-200k loans with 3,281 originations, totaling $497,405,000 in origination value.
Applicant Income
First Community Mortgage lent most frequently to those with incomes in the $50k or less range, with 2,161 originations. The second most popular income band? $50k-75k, with 2,087 originations.
Applicant Debt to Income Ratio
First Community Mortgage lent most frequently to those with DTI ratios of 30-36%, with 1,277 originations. The next most common DTI ratio? 20-30%, with 1,239 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications90.97%
First Community Mortgage has an average approval rate.
Pick Rate
Approvals leading to origination92.97%
First Community Mortgage has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 7,136 | $1,454,690,000 | $203,852 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Manufactured | 72 | $8,500,000 | $118,056 |
| Single Family (1-4 Units):Site-Built | 7,064 | $1,446,190,000 | $204,727 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2018 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| FIRST COMMUNITY MORTGAGE, INC. | Conventional home mortgage | Trouble during payment process | 1 | 33.3% |
| FIRST COMMUNITY MORTGAGE, INC. | Conventional home mortgage | Closing on a mortgage | 1 | 33.3% |
| FIRST COMMUNITY MORTGAGE, INC. | FHA mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 33.3% |