We analyzed every closed loan from Central Bank — 679 loans across 824 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
Exceptional
5/5
closing strength
Product
Strong
4/5
FHA · Conventional · USDA
Place
Exceptional
5/5
Multi-Region · 3 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Superstar
Purchase
Superstar
Refinance
Superstar
Summary
What They Do Well
- Offers rates 11.60 basis points below market average
- Strong pull through performance
- Particularly strong in Conventional and USDA loans
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Report Card
Central Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
Rates 11.6 bps below market avg
4/5
Pull Through
Closing strength
Exceptional
Top 20% of lenders
5/5
By Loan Product· Specialization by type
Conventional
632 loans · 0.15% below market
Strong
Top 40% of lenders
4/5
FHA
19 loans · 0.50% above market
Sound
Top 60% of lenders
3/5
USDA
19 loans · 0.73% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
604 loans · 0.10% below market
Strong
Top 40% of lenders
4/5
Refinance
75 loans · 0.27% below market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 4 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 | 632 | 93.1% | -0.147%Below | $2,348Fees | ||||
FHA Loans | — | 19 | 2.8% | +0.499%Above | $3,249Fees | |||
USDA Loans | — | 19 | 2.8% | +0.728%Above | $2,053Fees |
Conventional
OverallStrong
ProductStrong
PricingStrong
Pull ThroughExceptional
Volume632
Mix93.1%
Spread
-0.147%Below
Fees
$2,348Fees
FHA Loans
OverallSound
ProductSound
Pricing—
Pull ThroughSound
Volume19
Mix2.8%
Spread
+0.499%Above
Fees
$3,249Fees
USDA Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughStrong
Volume19
Mix2.8%
Spread
+0.728%Above
Fees
$2,053Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 604 | 89.0% | -0.098%Below | $2,388Fees | ||||
Refinance | 75 | 11.0% | -0.266%Below | $2,216Fees |
Purchase
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume604
Mix89.0%
Spread
-0.098%Below
Fees
$2,388Fees
Refinance
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume75
Mix11.0%
Spread
-0.266%Below
Fees
$2,216Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
679
Applications
824
Volume
$171 million
Pricing & Closing
Avg Rate Spread
-0.116%
vs. market APOR
Avg Net Fees
$2,369
Origination − Credits
Pullthrough Rate
82.4%
Applications → Closed
Typical Borrower
Avg Loan Amount
$252,806
Avg Borrower Income
$123,638
Avg Property Value
$328,122
Geographic Coverage
Geographic Performance
Metro Areas
3
markets with activity
States Served
8
of 50 states + DC
Avg Place Specialization
Exceptional
5/5
States with Loan Originations
8Full-year 2024 · HMDALoans originated
< 5050–100100+None
Midwest6
IAILKSMNNESD
South1
TX
West1
AZ
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.