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, Des Moines, and Knoxville among others. We have data for 255 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
7,654Origination Dollar Volume (All Markets)
$1,654,960,000Awards
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FIRST COMMUNITY MORTGAGE - 2019
FIRST COMMUNITY MORTGAGE is a 2019 , due to their low .
For 2019, 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) | 2,322 | $589,100,000 | $253,704 | $5,359 | 4.30% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 496 | $112,170,000 | $226,149 | $3,947 | 4.11% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 389 | $85,555,000 | $219,936 | $5,408 | 4.25% |
| Outside of Metro Areas | 505 | $76,715,000 | $151,911 | $4,134 | 4.20% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 255 | $60,685,000 | $237,980 | $3,728 | 4.10% |
| KNOXVILLE, TN (FHA|USDA|VA) | 294 | $55,110,000 | $187,449 | $5,027 | 4.24% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 133 | $31,705,000 | $238,383 | $3,319 | 4.16% |
| Tullahoma-Manchester, TN (FHA|USDA|VA) | 177 | $30,665,000 | $173,249 | $4,793 | 4.23% |
| Mountain Home, AR (FHA|USDA|VA) | 197 | $28,195,000 | $143,122 | $2,602 | 4.18% |
| Shelbyville, TN (FHA|USDA|VA) | 151 | $27,955,000 | $185,132 | $4,829 | 4.31% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 68 | $24,740,000 | $363,824 | $4,645 | 3.83% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 114 | $24,080,000 | $211,228 | $3,961 | 4.01% |
| Alamogordo, NM (FHA|USDA|VA) | 125 | $22,915,000 | $183,320 | $4,412 | 3.92% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 90 | $20,430,000 | $227,000 | $5,059 | 4.17% |
| COLUMBUS, OH (FHA|USDA|VA) | 96 | $20,330,000 | $211,771 | $5,729 | 4.17% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 103 | $19,615,000 | $190,437 | $5,618 | 4.27% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 61 | $18,515,000 | $303,525 | $3,194 | 4.01% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 81 | $17,805,000 | $219,815 | $4,579 | 4.34% |
| JACKSON, TN (FHA|USDA|VA) | 113 | $16,905,000 | $149,602 | $6,858 | 4.09% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 62 | $14,350,000 | $231,452 | $6,169 | 4.26% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 65 | $12,475,000 | $191,923 | $4,989 | 4.31% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 51 | $11,535,000 | $226,176 | $2,596 | 3.71% |
| GAINESVILLE, GA (FHA|USDA|VA) | 40 | $9,790,000 | $244,750 | $4,901 | 4.24% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 34 | $9,500,000 | $279,412 | $4,305 | 4.09% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 35 | $8,685,000 | $248,143 | $3,259 | 4.06% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 37 | $8,465,000 | $228,784 | $5,159 | 4.05% |
| Laramie, WY (FHA|USDA|VA) | 33 | $8,255,000 | $250,152 | $4,258 | 4.14% |
| Lewisburg, TN (FHA|USDA|VA) | 39 | $8,205,000 | $210,385 | $5,108 | 4.18% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 45 | $8,075,000 | $179,444 | $6,737 | 4.14% |
| LOUISVILLE, KY (FHA|USDA|VA) | 31 | $7,895,000 | $254,677 | $3,309 | 3.72% |
| Athens, TN (FHA|USDA|VA) | 53 | $7,885,000 | $148,774 | $4,949 | 4.35% |
| PITTSBURGH, PA (FHA|USDA|VA) | 40 | $7,510,000 | $187,750 | $5,251 | 4.60% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 32 | $7,220,000 | $225,625 | $2,952 | 4.21% |
| HOT SPRINGS, AR (FHA|USDA|VA) | 25 | $6,075,000 | $243,000 | $3,749 | 3.99% |
| Lawrenceburg, TN (FHA|USDA|VA) | 48 | $5,940,000 | $123,750 | $4,245 | 4.52% |
| Harrison, AR (FHA|USDA|VA) | 40 | $5,690,000 | $142,250 | $1,877 | 4.22% |
| FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) | 30 | $5,570,000 | $185,667 | $4,192 | 3.74% |
| HATTIESBURG, MS (FHA|USDA|VA) | 34 | $5,350,000 | $157,353 | $4,762 | 3.74% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 27 | $5,025,000 | $186,111 | $3,959 | 4.19% |
| JACKSON, MS (FHA|USDA|VA) | 19 | $4,765,000 | $250,789 | $4,226 | 3.80% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 23 | $4,755,000 | $206,739 | $4,149 | 3.87% |
| Paris, TN (FHA|USDA|VA) | 31 | $4,605,000 | $148,548 | $3,916 | 4.26% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 19 | $4,595,000 | $241,842 | $4,726 | 3.88% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 22 | $4,480,000 | $203,636 | $3,962 | 4.28% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 20 | $4,420,000 | $221,000 | $2,965 | 4.18% |
| SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) | 17 | $4,295,000 | $252,647 | $7,182 | 3.73% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 22 | $4,270,000 | $194,091 | $4,590 | 4.48% |
| HINESVILLE, GA (FHA|USDA|VA) | 21 | $4,265,000 | $203,095 | $4,437 | 4.08% |
| Dayton, TN (FHA|USDA|VA) | 34 | $4,150,000 | $122,059 | $5,985 | 4.46% |
| Sevierville, TN (FHA|USDA|VA) | 19 | $4,105,000 | $216,053 | $4,912 | 4.17% |
| Corinth, MS (FHA|USDA|VA) | 24 | $3,930,000 | $163,750 | $4,125 | 4.19% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 18 | $3,880,000 | $215,556 | $6,498 | 3.93% |
| West Plains, MO (FHA|USDA|VA) | 23 | $3,375,000 | $146,739 | $3,103 | 4.03% |
| LINCOLN, NE (FHA|USDA|VA) | 15 | $3,355,000 | $223,667 | $3,505 | 3.97% |
| Jefferson, GA (FHA|USDA|VA) | 13 | $3,325,000 | $255,769 | $5,784 | 4.16% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 10 | $3,310,000 | $331,000 | $5,886 | 3.76% |
| CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) | 12 | $3,260,000 | $271,667 | $2,628 | 3.68% |
| Arkadelphia, AR (FHA|USDA|VA) | 23 | $3,255,000 | $141,522 | $3,594 | 4.17% |
| Batesville, AR (FHA|USDA|VA) | 27 | $3,005,000 | $111,296 | $2,037 | 4.42% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 10 | $2,810,000 | $281,000 | $5,396 | 3.66% |
| CLEVELAND, TN (FHA|USDA|VA) | 19 | $2,725,000 | $143,421 | $6,501 | 4.51% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 10 | $2,690,000 | $269,000 | $6,716 | 4.63% |
| Martin, TN (FHA|USDA|VA) | 22 | $2,650,000 | $120,455 | $6,367 | 4.30% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 12 | $2,550,000 | $212,500 | $4,210 | 3.92% |
| SANTA FE, NM (FHA|USDA|VA) | 11 | $2,525,000 | $229,545 | $5,021 | 3.73% |
| McMinnville, TN (FHA|USDA|VA) | 16 | $2,210,000 | $138,125 | $4,806 | 4.48% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 10 | $2,180,000 | $218,000 | $5,267 | 4.04% |
| RICHMOND, VA (FHA|USDA|VA) | 7 | $2,095,000 | $299,286 | $4,905 | 4.07% |
| KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) | 12 | $2,090,000 | $174,167 | $7,769 | 3.89% |
| Cookeville, TN (FHA|USDA|VA) | 11 | $2,025,000 | $184,091 | $4,567 | 4.09% |
| Tupelo, MS (FHA|USDA|VA) | 15 | $1,975,000 | $131,667 | $3,957 | 4.53% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 7 | $1,955,000 | $279,286 | $3,994 | 3.80% |
| GOLDSBORO, NC (FHA|USDA|VA) | 10 | $1,860,000 | $186,000 | $3,540 | 3.94% |
| HAMMOND, LA (FHA|USDA|VA) | 12 | $1,820,000 | $151,667 | $3,772 | 4.38% |
| MORRISTOWN, TN (FHA|USDA|VA) | 15 | $1,725,000 | $115,000 | $6,794 | 4.16% |
| Greeneville, TN (FHA|USDA|VA) | 14 | $1,690,000 | $120,714 | $6,075 | 4.38% |
| Malvern, AR (FHA|USDA|VA) | 11 | $1,685,000 | $153,182 | $3,709 | 3.85% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 5 | $1,675,000 | $335,000 | $5,692 | 3.85% |
| Brownsville, TN (FHA|USDA|VA) | 13 | $1,665,000 | $128,077 | $6,439 | 4.20% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 5 | $1,655,000 | $331,000 | $4,174 | 3.93% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 8 | $1,650,000 | $206,250 | $4,111 | 3.69% |
| Meridian, MS (FHA|USDA|VA) | 9 | $1,645,000 | $182,778 | $4,686 | 4.11% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 6 | $1,540,000 | $256,667 | $2,777 | 3.69% |
| Richmond-Berea, KY (FHA|USDA|VA) | 5 | $1,515,000 | $303,000 | $2,850 | 3.28% |
| Poplar Bluff, MO (FHA|USDA|VA) | 12 | $1,500,000 | $125,000 | $2,483 | 3.70% |
| Union City, TN (FHA|USDA|VA) | 12 | $1,440,000 | $120,000 | $6,939 | 4.17% |
| WICHITA, KS (FHA|USDA|VA) | 7 | $1,425,000 | $203,571 | $4,381 | 3.54% |
| JOHNSON CITY, TN (FHA|USDA|VA) | 10 | $1,410,000 | $141,000 | $5,156 | 4.43% |
| Bardstown, KY (FHA|USDA|VA) | 9 | $1,335,000 | $148,333 | $4,460 | 4.76% |
| LYNCHBURG, VA (FHA|USDA|VA) | 4 | $1,280,000 | $320,000 | $9,713 | 3.50% |
| CEDAR RAPIDS, IA (FHA|USDA|VA) | 8 | $1,230,000 | $153,750 | $4,067 | 4.22% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 4 | $1,200,000 | $300,000 | $4,220 | 3.66% |
| CHEYENNE, WY (FHA|USDA|VA) | 4 | $1,200,000 | $300,000 | $2,256 | 4.03% |
| GREELEY, CO (FHA|USDA|VA) | 4 | $1,190,000 | $297,500 | $4,526 | 3.66% |
| Pella, IA (FHA|USDA|VA) | 6 | $1,170,000 | $195,000 | $5,249 | 4.21% |
| BOULDER, CO (FHA|USDA|VA) | 3 | $1,145,000 | $381,667 | $7,243 | 3.96% |
| Toccoa, GA (FHA|USDA|VA) | 7 | $1,105,000 | $157,857 | $5,331 | 4.13% |
| Taos, NM (FHA|USDA|VA) | 3 | $1,055,000 | $351,667 | $2,202 | 4.50% |
| Dyersburg, TN (FHA|USDA|VA) | 8 | $1,050,000 | $131,250 | $6,561 | 4.25% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 2 | $1,030,000 | $515,000 | $8,577 | 4.31% |
| Alexander City, AL (FHA|USDA|VA) | 3 | $1,025,000 | $341,667 | $2,358 | 3.63% |
| Cornelia, GA (FHA|USDA|VA) | 5 | $1,015,000 | $203,000 | $6,210 | 4.33% |
| Okeechobee, FL (FHA|USDA|VA) | 7 | $995,000 | $142,143 | $4,924 | 3.61% |
| DECATUR, AL (FHA|USDA|VA) | 7 | $985,000 | $140,714 | $4,184 | 4.14% |
| BOWLING GREEN, KY (FHA|USDA|VA) | 4 | $950,000 | $237,500 | $4,625 | 4.38% |
| SIOUX CITY, IA-NE-SD (FHA|USDA|VA) | 5 | $945,000 | $189,000 | $4,918 | 4.73% |
| ST. JOSEPH, MO-KS (FHA|USDA|VA) | 5 | $925,000 | $185,000 | $3,731 | 4.20% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 3 | $895,000 | $298,333 | $7,190 | 4.42% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 3 | $895,000 | $298,333 | $3,366 | 4.08% |
| FORT SMITH, AR-OK (FHA|USDA|VA) | 3 | $875,000 | $291,667 | $6,342 | 3.54% |
| ROANOKE, VA (FHA|USDA|VA) | 3 | $845,000 | $281,667 | $5,736 | 3.67% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 4 | $840,000 | $210,000 | $3,711 | 4.53% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 2 | $830,000 | $415,000 | $7,016 | 3.75% |
| MANHATTAN, KS (FHA|USDA|VA) | 3 | $825,000 | $275,000 | $4,439 | 3.96% |
| Crossville, TN (FHA|USDA|VA) | 6 | $810,000 | $135,000 | $4,578 | 4.10% |
| MIDLAND, MI (FHA|USDA|VA) | 2 | $800,000 | $400,000 | $2,804 | 4.38% |
| Cullman, AL (FHA|USDA|VA) | 4 | $790,000 | $197,500 | $5,218 | 5.13% |
| Marion, OH (FHA|USDA|VA) | 5 | $755,000 | $151,000 | $5,442 | 4.03% |
| Key West, FL (FHA|USDA|VA) | 2 | $750,000 | $375,000 | $9,366 | 3.75% |
| TOPEKA, KS (FHA|USDA|VA) | 4 | $730,000 | $182,500 | $2,988 | 3.84% |
| MONTGOMERY, AL (FHA|USDA|VA) | 2 | $730,000 | $365,000 | $11,978 | 3.56% |
| Sikeston, MO (FHA|USDA|VA) | 5 | $685,000 | $137,000 | $2,119 | 4.13% |
| AMES, IA (FHA|USDA|VA) | 3 | $665,000 | $221,667 | $4,114 | 4.42% |
| LaGrange, GA-AL (FHA|USDA|VA) | 3 | $645,000 | $215,000 | $5,970 | 4.17% |
| Warrensburg, MO (FHA|USDA|VA) | 3 | $645,000 | $215,000 | $2,680 | 4.58% |
| SIOUX FALLS, SD (FHA|USDA|VA) | 4 | $640,000 | $160,000 | $3,303 | 4.78% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 2 | $610,000 | $305,000 | $7,418 | 3.81% |
| SAVANNAH, GA (FHA|USDA|VA) | 4 | $600,000 | $150,000 | $3,650 | 4.38% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 2 | $600,000 | $300,000 | $4,667 | 4.38% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 3 | $595,000 | $198,333 | $3,287 | 4.04% |
| BATON ROUGE, LA (FHA|USDA|VA) | 4 | $590,000 | $147,500 | $4,429 | 4.72% |
| Albertville, AL (FHA|USDA|VA) | 1 | $585,000 | $585,000 | $3,718 | 4.00% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 3 | $585,000 | $195,000 | $1,332 | 3.63% |
| LAFAYETTE, LA (FHA|USDA|VA) | 3 | $575,000 | $191,667 | $8,918 | 3.92% |
| IOWA CITY, IA (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $2,387 | 4.63% |
| DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) | 3 | $555,000 | $185,000 | $5,360 | 4.13% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $4,732 | 3.94% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 3 | $545,000 | $181,667 | $4,889 | 5.38% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 3 | $525,000 | $175,000 | $5,127 | 4.08% |
| TUSCALOOSA, AL (FHA|USDA|VA) | 3 | $505,000 | $168,333 | $5,252 | 4.21% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $4,067 | 4.00% |
| STAUNTON, VA (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $7,548 | 3.44% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $5,281 | 3.75% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $3,640 | 4.06% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $3,551 | 5.19% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $8,301 | 3.94% |
| Zanesville, OH (FHA|USDA|VA) | 3 | $475,000 | $158,333 | $3,024 | 4.75% |
| Murray, KY (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $4,623 | 3.94% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $2,884 | 4.06% |
| DUBUQUE, IA (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $2,822 | 4.38% |
| Scottsboro, AL (FHA|USDA|VA) | 4 | $460,000 | $115,000 | $5,851 | 4.34% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $2,445 | 4.06% |
| Minden, LA (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $8,935 | 4.06% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $3,200 | 4.38% |
| Carlsbad-Artesia, NM (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $5,395 | 3.69% |
| BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $5,214 | 3.56% |
| Maryville, MO (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $1,208 | 4.00% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $17,679 | 4.13% |
| JEFFERSON CITY, MO (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $3,270 | 3.75% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $3,361 | 4.00% |
| Brookhaven, MS (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $5,767 | 3.50% |
| FORT WAYNE, IN (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $2,108 | 3.88% |
| Russellville, AR (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $4,512 | 4.75% |
| Fort Leonard Wood, MO (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $3,144 | 3.63% |
| MANSFIELD, OH (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $5,765 | 3.31% |
| Breckenridge, CO (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $2,477 | 4.00% |
| PANAMA CITY, FL (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $2,421 | 4.13% |
| Pinehurst-Southern Pines, NC (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $0 | 3.63% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $6,212 | 4.13% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $3,888 | 4.50% |
| Searcy, AR (FHA|USDA|VA) | 3 | $335,000 | $111,667 | $1,843 | 4.29% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $12,778 | 4.50% |
| COLUMBIA, MO (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $2,509 | 4.13% |
| OWENSBORO, KY (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $3,795 | 3.88% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $8,090 | 3.63% |
| Laurel, MS (FHA|USDA|VA) | 3 | $325,000 | $108,333 | $3,644 | 3.79% |
| Branson, MO (FHA|USDA|VA) | 3 | $315,000 | $105,000 | $1,393 | 4.08% |
| McComb, MS (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $5,361 | 3.56% |
| FLORENCE, SC (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $1,483 | 3.99% |
| Morehead City, NC (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $2,987 | 3.13% |
| ASHEVILLE, NC (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $5,437 | 5.25% |
| Mount Vernon, OH (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $4,898 | 4.50% |
| Gillette, WY (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $2,795 | 4.25% |
| Kalispell, MT (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $3,008 | 4.50% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $5,858 | 3.00% |
| Ashtabula, OH (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $2,967 | 3.50% |
| TOLEDO, OH (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $2,949 | 3.38% |
| Steamboat Springs, CO (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $7,902 | 3.50% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $3,208 | 4.25% |
| Washington, NC (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $3,211 | 3.63% |
| Glasgow, KY (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $6,054 | 4.88% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $5,707 | 4.63% |
| Athens, TX (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $2,870 | 3.63% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $5,161 | 4.50% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $3,943 | 3.50% |
| Hobbs, NM (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $1,180 | 4.88% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $4,107 | 4.00% |
| Chillicothe, OH (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $6,579 | 3.88% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $4,779 | 4.38% |
| ST. CLOUD, MN (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $2,403 | 4.00% |
| Natchitoches, LA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $5,181 | 4.13% |
| Cedartown, GA (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $3,278 | 4.13% |
| JONESBORO, AR (FHA|USDA|VA) | 3 | $225,000 | $75,000 | $2,243 | 4.63% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,017 | 3.99% |
| Garden City, KS (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $3,575 | 3.50% |
| WILMINGTON, NC (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $5,422 | 3.63% |
| SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,081 | 3.63% |
| Kennett, MO (FHA|USDA|VA) | 2 | $200,000 | $100,000 | $2,612 | 4.44% |
| Newport, TN (FHA|USDA|VA) | 2 | $200,000 | $100,000 | $4,471 | 4.19% |
| RACINE, WI (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $2,428 | 4.50% |
| LAWRENCE, KS (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,464 | 4.38% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $1,513 | 3.38% |
| Mount Airy, NC (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,753 | 5.75% |
| ROCHESTER, MN (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 4.63% |
| DALTON, GA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $6,356 | 4.63% |
| PUEBLO, CO (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 5.25% |
| COLUMBIA, SC (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $1,041 | 3.50% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,644 | 4.75% |
| Mason City, IA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,602 | 4.75% |
| Fairmont, MN (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $4,326 | 3.13% |
| FARMINGTON, NM (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,279 | 4.38% |
| Selma, AL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $4,240 | 4.88% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 4.13% |
| MORGANTOWN, WV (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $4,642 | 4.63% |
| Bellefontaine, OH (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $8,624 | 4.63% |
| Blytheville, AR (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $4,687 | 3.50% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,589 | 4.00% |
| MUSKEGON, MI (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $6,406 | 4.63% |
| Washington Court House, OH (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $4,642 | 4.50% |
| JOPLIN, MO (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $1,816 | 4.00% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $6,219 | 4.00% |
| Coshocton, OH (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $6,376 | 4.63% |
| MOBILE, AL (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,202 | 4.00% |
| Paragould, AR (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $1,181 | 3.88% |
| New Castle, PA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $7,060 | 5.63% |
| CANTON-MASSILLON, OH (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $4,152 | 4.63% |
| Scottsbluff, NE (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $3,052 | 4.88% |
| Starkville, MS (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 5.38% |
| Vidalia, GA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $2,093 | 4.88% |
| AKRON, OH (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,617 | 4.50% |
| Mitchell, SD (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,285 | 4.13% |
| Picayune, MS (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $5,053 | 4.00% |
| SUMTER, SC (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,210 | 4.50% |
| Salina, KS (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,693 | 5.63% |
| ANNISTON-OXFORD, AL (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $4,325 | 5.13% |
| Burlington, IA-IL (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $3,012 | 4.63% |
| North Platte, NE (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $1,564 | 5.38% |
| Big Stone Gap, VA (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $4,464 | 5.13% |
| CARBONDALE-MARION, IL (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $2,434 | 3.88% |
| Tiffin, OH (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $4,090 | 5.13% |
| DULUTH, MN-WI (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 5.88% |
| Central City, KY (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $6,368 | 5.13% |
| London, KY (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $1,656 | 5.13% |
| Helena-West Helena, AR (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $2,238 | 4.00% |
| Sanford, NC (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $3,748 | 4.38% |
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Product Mix
For 2019, First Community Mortgage's most frequently originated type of loan was Conventional, with 3,895 originations. Their 2nd most popular type was FHA, with 1,952 originations.
Loan Reason
For 2019, First Community Mortgage's most frequently cited loan purpose was Home Purchase, with 5,614 originations. The 2nd most popular reason was Refi, with 1,229 originations.
Loan Duration/Length
For 2019, First Community Mortgage's most frequently cited loan duration was 30 Year, with 7,054 originations. The 2nd most popular length was 15 Year, with 365 originations.
Origination Fees/Closing Costs
First Community Mortgage's average total fees were $4,843, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 2,709 originations.
Interest Rates
During 2019, First Community Mortgage's average interest rate for loans was 4.22%, while their most frequently originated rate bucket for loans was 3-4%, with 3,736 originations.
Loan Sizing
2019 saw First Community Mortgage place emphasis on $200k-400k loans with 3,354 originations, totaling $906,850,000 in origination value.
Applicant Income
First Community Mortgage lent most frequently to those with incomes in the $50k-75k range, with 2,194 originations. The second most popular income band? $50k or less, with 1,941 originations.
Applicant Debt to Income Ratio
First Community Mortgage lent most frequently to those with DTI ratios of 20-30%, with 1,381 originations. The next most common DTI ratio? 30-36%, with 1,308 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications90.97%
First Community Mortgage has an average approval rate.
Pick Rate
Approvals leading to origination91.98%
First Community Mortgage has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 7,654 | $1,654,960,000 | $216,222 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Manufactured | 98 | $11,260,000 | $114,898 |
| Single Family (1-4 Units):Site-Built | 7,556 | $1,643,700,000 | $217,536 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2019 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| FIRST COMMUNITY MORTGAGE, INC. | VA mortgage | Closing on a mortgage | 1 | 50.0% |
| FIRST COMMUNITY MORTGAGE, INC. | Conventional home mortgage | Struggling to pay mortgage | 1 | 50.0% |