Banksouth Mortgage Company
We analyzed every closed loan from Banksouth Mortgage Company — 2.3k loans across 3k 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
Exceptional
5/5
FHA · Conventional · VA · Jumbo · USDA
Place
Strong
4/5
Multi-Region · 12 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
FHA
Superstar
VA
Superstar
Purchase
Superstar
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and Jumbo and USDA loans
Things to Think About
- Pricing may be below industry average
- Higher than average fees ($4,175)
Explore another lender or local market
Report Card
Banksouth Mortgage Company performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+25.3 bps above market avg
2/5
Pull Through
Closing strength
Exceptional
Top 20% of lenders
5/5
By Loan Product· Specialization by type
Conventional
1,349 loans · 0.33% above market
Strong
Top 40% of lenders
4/5
FHA
636 loans · 0.21% above market
Exceptional
Top 20% of lenders
5/5
VA
211 loans · 0.30% below market
Strong
Top 40% of lenders
4/5
Jumbo
72 loans · 0.25% above market
Strong
Top 40% of lenders
4/5
USDA
31 loans · 0.25% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
2,197 loans · 0.25% above market
Exceptional
Top 20% of lenders
5/5
Refinance
102 loans · 0.25% above market
Sound
Top 60% of lenders
3/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 13 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 | 1,349 | 58.7% | +0.329%Above | $4,380Fees | ||||
FHA Loans | 636 | 27.7% | +0.214%Above | $3,959Fees | ||||
VA Loans | 211 | 9.2% | -0.303%Below | $3,062Fees | ||||
Jumbo Loans | 72 | 3.1% | +0.249%Above | $4,842Fees | ||||
USDA Loans | — | 31 | 1.3% | +0.248%Above | $2,846Fees |
Conventional
OverallSound
ProductStrong
PricingMediocre
Pull ThroughStrong
Volume1,349
Mix58.7%
Spread
+0.329%Above
Fees
$4,380Fees
FHA Loans
OverallStrong
ProductExceptional
PricingSound
Pull ThroughExceptional
Volume636
Mix27.7%
Spread
+0.214%Above
Fees
$3,959Fees
VA Loans
OverallStrong
ProductStrong
PricingAcceptable
Pull ThroughExceptional
Volume211
Mix9.2%
Spread
-0.303%Below
Fees
$3,062Fees
Jumbo Loans
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume72
Mix3.1%
Spread
+0.249%Above
Fees
$4,842Fees
USDA Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughStrong
Volume31
Mix1.3%
Spread
+0.248%Above
Fees
$2,846Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 2,197 | 95.6% | +0.253%Above | $4,178Fees | ||||
Refinance | 102 | 4.4% | +0.248%Above | $4,127Fees |
Purchase
OverallStrong
ProductExceptional
PricingAcceptable
Pull ThroughStrong
Volume2,197
Mix95.6%
Spread
+0.253%Above
Fees
$4,178Fees
Refinance
OverallSound
ProductSound
PricingMediocre
Pull ThroughSound
Volume102
Mix4.4%
Spread
+0.248%Above
Fees
$4,127Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
2,299
Applications
2,866
Volume
$889 million
Pricing & Closing
Avg Rate Spread
+0.253%
vs. market APOR
Avg Net Fees
$4,175
Origination − Credits
Pullthrough Rate
80.2%
Applications → Closed
Typical Borrower
Avg Loan Amount
$386,910
Avg Borrower Income
$163,866
Avg Property Value
$499,093
Geographic Coverage
Geographic Performance
Metro Areas
12
markets with activity
States Served
14
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
14Full-year 2024 · HMDALoans originated
< 1010–2020–5050–100100+None
Midwest3
IAMOWI
South10
ALFLGAKYLANCSCTNTXVA
West1
CO
Top Metro Areas by Place Specialization Score
Showing 10 of 12 metro areas
Top States 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.