We analyzed every closed loan from Centier Bank — 587 loans across 769 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Sound
3/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · Jumbo
Place
Strong
4/5
Regional · 6 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 Jumbo loans
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Report Card
Centier Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+52.0 bps above market avg
3/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
522 loans · 0.52% above market
Strong
Top 40% of lenders
4/5
FHA
38 loans · 0.63% above market
Sound
Top 60% of lenders
3/5
Jumbo
20 loans · 0.13% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
534 loans · 0.52% above market
Strong
Top 40% of lenders
4/5
Refinance
53 loans · 0.51% above market
Sound
Top 60% of lenders
3/5
By Location· Geographic coverage
Geographic Reach
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 | 522 | 88.9% | +0.520%Above | $663Fees | ||||
FHA Loans | 38 | 6.5% | +0.625%Above | $951Fees | ||||
Jumbo Loans | — | 20 | 3.4% | +0.134%Above | $283Credit |
Conventional
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume522
Mix88.9%
Spread
+0.520%Above
Fees
$663Fees
FHA Loans
OverallSound
ProductSound
PricingStrong
Pull ThroughSound
Volume38
Mix6.5%
Spread
+0.625%Above
Fees
$951Fees
Jumbo Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughStrong
Volume20
Mix3.4%
Spread
+0.134%Above
Fees
$283Credit
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 534 | 91.0% | +0.521%Above | $597Fees | ||||
Refinance | 53 | 9.0% | +0.510%Above | $1,259Fees |
Purchase
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume534
Mix91.0%
Spread
+0.521%Above
Fees
$597Fees
Refinance
OverallSound
ProductSound
PricingSound
Pull ThroughSound
Volume53
Mix9.0%
Spread
+0.510%Above
Fees
$1,259Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
587
Applications
769
Volume
$166 million
Pricing & Closing
Avg Rate Spread
+0.520%
vs. market APOR
Avg Net Fees
$666
Origination − Credits
Pullthrough Rate
76.3%
Applications → Closed
Typical Borrower
Avg Loan Amount
$283,790
Avg Borrower Income
$106,080
Avg Property Value
$362,632
Geographic Coverage
Geographic Performance
Metro Areas
6
markets with activity
States Served
4
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
4Full-year 2024 · HMDALoans originated
< 500500+None
Midwest3
ILINMI
South1
FL
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.