We analyzed every closed loan from Bangor Savings Bank — 1.3k loans across 2k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Exceptional
5/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · Jumbo · USDA
Place
Strong
4/5
Multi-Region · 6 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Champion
USDA
Champion
FHA
Superstar
VA
Superstar
Jumbo
Superstar
Purchase
Superstar
Refinance
Superstar
Summary
What They Do Well
- Offers rates 9.90 basis points below market average
- Lower than average lender fees
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and Jumbo and USDA loans
Explore another lender or local market
Report Card
Bangor Savings Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
Rates 9.9 bps below market avg
5/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
1,112 loans · 0.09% below market
Exceptional
Top 20% of lenders
5/5
FHA
89 loans · 0.00% below market
Strong
Top 40% of lenders
4/5
VA
25 loans · 0.56% below market
Strong
Top 40% of lenders
4/5
Jumbo
44 loans · 0.30% above market
Strong
Top 40% of lenders
4/5
USDA
70 loans · 0.43% below market
Exceptional
Top 20% of lenders
5/5
By Loan Purpose· Transaction purpose mix
Purchase
1,182 loans · 0.05% below market
Exceptional
Top 20% of lenders
5/5
Refinance
158 loans · 0.43% below market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 7 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 | 1,112 | 83.0% | -0.089%Below | $1,278Fees | ||||
FHA Loans | 89 | 6.6% | +0.000%Above | $1,299Fees | ||||
VA Loans | 25 | 1.9% | -0.557%Below | $1,643Fees | ||||
Jumbo Loans | 44 | 3.3% | +0.297%Above | $542Fees | ||||
USDA Loans | 70 | 5.2% | -0.426%Below | $1,151Fees |
Conventional
OverallStrong
ProductExceptional
PricingExceptional
Pull ThroughStrong
Volume1,112
Mix83.0%
Spread
-0.089%Below
Fees
$1,278Fees
FHA Loans
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughStrong
Volume89
Mix6.6%
Spread
+0.000%Above
Fees
$1,299Fees
VA Loans
OverallStrong
ProductStrong
PricingStrong
Pull ThroughSound
Volume25
Mix1.9%
Spread
-0.557%Below
Fees
$1,643Fees
Jumbo Loans
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume44
Mix3.3%
Spread
+0.297%Above
Fees
$542Fees
USDA Loans
OverallExceptional
ProductExceptional
PricingExceptional
Pull ThroughStrong
Volume70
Mix5.2%
Spread
-0.426%Below
Fees
$1,151Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 1,182 | 88.2% | -0.052%Below | $1,255Fees | ||||
Refinance | 158 | 11.8% | -0.432%Below | $1,352Fees |
Purchase
OverallStrong
ProductExceptional
PricingExceptional
Pull ThroughStrong
Volume1,182
Mix88.2%
Spread
-0.052%Below
Fees
$1,255Fees
Refinance
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughStrong
Volume158
Mix11.8%
Spread
-0.432%Below
Fees
$1,352Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
1,340
Applications
1,802
Volume
$460 million
Pricing & Closing
Avg Rate Spread
-0.099%
vs. market APOR
Avg Net Fees
$1,267
Origination − Credits
Pullthrough Rate
74.4%
Applications → Closed
Typical Borrower
Avg Loan Amount
$343,746
Avg Borrower Income
$146,383
Avg Property Value
$465,381
Geographic Coverage
Geographic Performance
Metro Areas
6
markets with activity
States Served
7
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
7Full-year 2024 · HMDALoans originated
< 1010–5050–100100+None
Northeast5
CTMEMANHVT
South2
FLNC
Top Metro Areas by Place Specialization Score
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.