We analyzed every closed loan from Berkshire Bank — 693 loans across 918 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 · Jumbo
Place
Sound
3/5
Multi-Region · 10 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Jumbo
Champion
Conventional
Superstar
FHA
Superstar
Purchase
Superstar
Refinance
Superstar
Summary
What They Do Well
- Offers rates 16.50 basis points below market average
- Lower than average lender fees
- Strong pull through performance
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Report Card
Berkshire Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
Rates 16.5 bps below market avg
5/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
467 loans · 0.16% below market
Sound
Top 60% of lenders
3/5
FHA
26 loans · 0.03% below market
Sound
Top 60% of lenders
3/5
Jumbo
198 loans · 0.20% below market
Exceptional
Top 20% of lenders
5/5
By Loan Purpose· Transaction purpose mix
Purchase
601 loans · 0.14% below market
Strong
Top 40% of lenders
4/5
Refinance
92 loans · 0.35% below market
Sound
Top 60% of lenders
3/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 11 markets
Sound
Top 60% of lenders
3/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 467 | 67.4% | -0.158%Below | $927Fees | ||||
FHA Loans | 26 | 3.8% | -0.028%Below | $776Fees | ||||
Jumbo Loans | 198 | 28.6% | -0.195%Below | $1,044Credit |
Conventional
OverallStrong
ProductSound
PricingExceptional
Pull ThroughSound
Volume467
Mix67.4%
Spread
-0.158%Below
Fees
$927Fees
FHA Loans
OverallStrong
ProductSound
PricingExceptional
Pull ThroughSound
Volume26
Mix3.8%
Spread
-0.028%Below
Fees
$776Fees
Jumbo Loans
OverallExceptional
ProductExceptional
PricingExceptional
Pull ThroughStrong
Volume198
Mix28.6%
Spread
-0.195%Below
Fees
$1,044Credit
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 601 | 86.7% | -0.136%Below | $537Fees | ||||
Refinance | 92 | 13.3% | -0.351%Below | $803Credit |
Purchase
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughSound
Volume601
Mix86.7%
Spread
-0.136%Below
Fees
$537Fees
Refinance
OverallStrong
ProductSound
PricingExceptional
Pull ThroughSound
Volume92
Mix13.3%
Spread
-0.351%Below
Fees
$803Credit
At a Glance
Lender Overview
Lending Activity
Loans Originated
693
Applications
918
Volume
$460 million
Pricing & Closing
Avg Rate Spread
-0.165%
vs. market APOR
Avg Net Fees
$358
Origination − Credits
Pullthrough Rate
75.5%
Applications → Closed
Typical Borrower
Avg Loan Amount
$664,553
Avg Borrower Income
$280,971
Avg Property Value
$941,551
Geographic Coverage
Geographic Performance
Metro Areas
10
markets with activity
States Served
10
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
10Full-year 2024 · HMDALoans originated
< 1010–2020–5050+None
Northeast8
CTMEMANHNYPARIVT
South2
FLSC
Top Metro Areas by Place Specialization Score
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.