What loan types does Commercial Bank offer?

Commercial Bank offers the following mortgage loan types: Conventional. Each product has its own pricing score and performance metrics.

Where does Commercial Bank offer mortgages?

Commercial Bank offers mortgages in 7 states: CO, FL, KY, NC, SC, TN, VA.

How competitive are Commercial Bank's mortgage rates?

Commercial Bank has an overall pricing score of 45.9/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Commercial Bank?

Commercial Bank is a Bank headquartered in Harrogate, TN.

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Commercial Bank

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Commercial Bank has 157 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Sound

3/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Sound

3/5

Conventional

Place

Strong

4/5

Multi-Region · 2 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

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Report Card

Commercial Bank performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Sound

Rates 28.1 bps below market avg

3/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

151 loans · 0.27% below market

Sound

Top 60% of lenders

3/5

By Loan Purpose· Transaction purpose mix

Purchase

118 loans · 0.40% below market

Sound

Top 60% of lenders

3/5

Refinance

39 loans · 0.07% above market

Acceptable

Bottom 40% of lenders

2/5

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	Sound	Sound	Sound	Strong	151	96.2%	-0.271%Below	$997Fees

Conventional

Overall

Sound

Product

Sound

Pricing

Sound

Pull Through

Strong

Volume151

Mix96.2%

Spread

-0.271%Below

Fees

$997Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Sound	Strong	Sound	118	75.2%	-0.397%Below	$809Fees
Refinance	Acceptable	Acceptable	Mediocre	Sound	39	24.8%	+0.075%Above	$1,456Fees

Purchase

Overall

Sound

Product

Sound

Pricing

Strong

Pull Through

Sound

Volume118

Mix75.2%

Spread

-0.397%Below

Fees

$809Fees

Refinance

Overall

Acceptable

Product

Acceptable

Pricing

Mediocre

Pull Through

Sound

Volume39

Mix24.8%

Spread

+0.075%Above

Fees

$1,456Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

157

Applications

197

Volume

$45 million

Pricing & Closing

Avg Rate Spread

-0.281%

vs. market APOR

Avg Net Fees

$969

Origination − Credits

Pullthrough Rate

79.7%

Applications → Closed

Typical Borrower

Avg Loan Amount

$289,713

Avg Borrower Income

$137,248

Avg Property Value

$548,758

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

7Full-year 2024 · HMDA

Loans originated

< 5050+None

South6

FLKYNCSCTNVA

West1

Top Metro Areas by Place Specialization Score

Knoxville, TNMetro

Volume 56Mix 35.67% of portfolio

66/100

Strong

Morristown, TNMetro

Volume 17Mix 10.83% of portfolio

62/100

Strong

Top States by Place Specialization Score

TennesseeState

Volume 110Mix 70.06% of portfolio

70/100

Strong

KentuckyState

Volume 40Mix 25.48% of portfolio

60/100

Strong

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.