We analyzed every closed loan from Carrollton Bank — 702 loans across 899 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Strong
4/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA · Jumbo
Place
Exceptional
5/5
Multi-Region · 2 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Superstar
FHA
Superstar
VA
Superstar
Purchase
Superstar
Summary
What They Do Well
- Competitive pricing compared to the market
- Lower than average lender fees
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and Jumbo loans
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Report Card
Carrollton Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
+16.3 bps above market avg
4/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
571 loans · 0.17% above market
Strong
Top 40% of lenders
4/5
FHA
67 loans · 0.41% above market
Strong
Top 40% of lenders
4/5
VA
39 loans · 0.39% below market
Strong
Top 40% of lenders
4/5
Jumbo
19 loans · 0.10% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
649 loans · 0.17% above market
Strong
Top 40% of lenders
4/5
Refinance
53 loans · 0.12% above market
Sound
Top 60% of lenders
3/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 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 | 571 | 81.3% | +0.172%Above | $793Fees | ||||
FHA Loans | 67 | 9.5% | +0.412%Above | $1,131Fees | ||||
VA Loans | 39 | 5.6% | -0.389%Below | $784Fees | ||||
Jumbo Loans | — | 19 | 2.7% | +0.102%Above | $789Fees |
Conventional
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume571
Mix81.3%
Spread
+0.172%Above
Fees
$793Fees
FHA Loans
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume67
Mix9.5%
Spread
+0.412%Above
Fees
$1,131Fees
VA Loans
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume39
Mix5.6%
Spread
-0.389%Below
Fees
$784Fees
Jumbo Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughStrong
Volume19
Mix2.7%
Spread
+0.102%Above
Fees
$789Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 649 | 92.5% | +0.167%Above | $842Fees | ||||
Refinance | 53 | 7.5% | +0.123%Above | $560Fees |
Purchase
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume649
Mix92.5%
Spread
+0.167%Above
Fees
$842Fees
Refinance
OverallSound
ProductSound
PricingStrong
Pull ThroughSound
Volume53
Mix7.5%
Spread
+0.123%Above
Fees
$560Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
702
Applications
899
Volume
$174 million
Pricing & Closing
Avg Rate Spread
+0.163%
vs. market APOR
Avg Net Fees
$816
Origination − Credits
Pullthrough Rate
78.1%
Applications → Closed
Typical Borrower
Avg Loan Amount
$248,561
Avg Borrower Income
$165,152
Avg Property Value
$327,821
Geographic Coverage
Geographic Performance
Metro Areas
2
markets with activity
States Served
11
of 50 states + DC
Avg Place Specialization
Exceptional
5/5
States with Loan Originations
11Full-year 2024 · HMDALoans originated
All statesNone
Midwest3
ILINMO
South6
FLMSOKTNTXVA
West2
AZCO
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.