We analyzed every closed loan from American Savings Bank — 425 loans across 545 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Acceptable
2/5
vs. all lenders
Pull-through
Exceptional
5/5
closing strength
Product
Strong
4/5
Conventional · VA · Jumbo
Place
Exceptional
5/5
Single State · 2 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Superstar
Purchase
Superstar
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and VA and Jumbo loans
Things to Think About
- Pricing may be below industry average
Explore another lender or local market
Report Card
American Savings Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
Rates 3.0 bps below market avg
2/5
Pull Through
Closing strength
Exceptional
Top 20% of lenders
5/5
By Loan Product· Specialization by type
Conventional
368 loans · 0.02% below market
Strong
Top 40% of lenders
4/5
VA
23 loans · 0.72% below market
Strong
Top 40% of lenders
4/5
Jumbo
32 loans · 0.49% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
376 loans · 0.04% below market
Strong
Top 40% of lenders
4/5
Refinance
49 loans · 0.06% above market
Sound
Top 60% of lenders
3/5
By Location· Geographic coverage
Geographic Reach
Single State · 3 markets
Strong
Top 40% of lenders
4/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 368 | 86.6% | -0.022%Below | $3,539Fees | ||||
VA Loans | — | 23 | 5.4% | -0.722%Below | $3,393Fees | |||
Jumbo Loans | — | 32 | 7.5% | +0.492%Above | $3,656Fees |
Conventional
OverallStrong
ProductStrong
PricingSound
Pull ThroughExceptional
Volume368
Mix86.6%
Spread
-0.022%Below
Fees
$3,539Fees
VA Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughStrong
Volume23
Mix5.4%
Spread
-0.722%Below
Fees
$3,393Fees
Jumbo Loans
OverallExceptional
ProductStrong
Pricing—
Pull ThroughExceptional
Volume32
Mix7.5%
Spread
+0.492%Above
Fees
$3,656Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 376 | 88.5% | -0.044%Below | $3,348Fees | ||||
Refinance | 49 | 11.5% | +0.062%Above | $4,694Fees |
Purchase
OverallStrong
ProductStrong
PricingSound
Pull ThroughExceptional
Volume376
Mix88.5%
Spread
-0.044%Below
Fees
$3,348Fees
Refinance
OverallSound
ProductSound
PricingAcceptable
Pull ThroughStrong
Volume49
Mix11.5%
Spread
+0.062%Above
Fees
$4,694Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
425
Applications
545
Volume
$273 million
Pricing & Closing
Avg Rate Spread
-0.030%
vs. market APOR
Avg Net Fees
$3,530
Origination − Credits
Pullthrough Rate
78.0%
Applications → Closed
Typical Borrower
Avg Loan Amount
$642,929
Avg Borrower Income
$199,351
Avg Property Value
$969,871
Geographic Coverage
Geographic Performance
Metro Areas
2
markets with activity
States Served
1
of 50 states + DC
Avg Place Specialization
Exceptional
5/5
States with Loan Originations
1Full-year 2024 · HMDALoans originated
All statesNone
West1
HI
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.