Community National Bank & Trust has 321 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
Acceptable
2/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Strong
4/5
Conventional · VA · USDA
Place
Sound
3/5
Regional · 2 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Summary
Things to Think About
- Rates typically 69 basis points above market average
Explore another lender or local market
Report Card
Community National Bank & Trust performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+69.1 bps above market avg
2/5
Pull Through
Closing strength
Sound
Top 60% of lenders
3/5
By Loan Product· Specialization by type
Conventional
279 loans · 0.73% above market
Sound
Top 60% of lenders
3/5
VA
16 loans · 0.07% above market
Sound
Top 60% of lenders
3/5
USDA
26 loans · 0.59% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
242 loans · 0.59% above market
Sound
Top 60% of lenders
3/5
Refinance
79 loans · 0.98% above market
Sound
Top 60% of lenders
3/5
By Location· Geographic coverage
Geographic Reach
Regional · 3 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 | 279 | 86.9% | +0.731%Above | $1,271Fees | ||||
VA Loans | — | 16 | 5.0% | +0.075%Above | $1,860Fees | |||
USDA Loans | — | 26 | 8.1% | +0.591%Above | $1,882Fees |
Conventional
OverallSound
ProductSound
PricingAcceptable
Pull ThroughSound
Volume279
Mix86.9%
Spread
+0.731%Above
Fees
$1,271Fees
VA Loans
OverallStrong
ProductSound
Pricing—
Pull ThroughStrong
Volume16
Mix5.0%
Spread
+0.075%Above
Fees
$1,860Fees
USDA Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughSound
Volume26
Mix8.1%
Spread
+0.591%Above
Fees
$1,882Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 242 | 75.4% | +0.592%Above | $1,489Fees | ||||
Refinance | 79 | 24.6% | +0.981%Above | $839Fees |
Purchase
OverallAcceptable
ProductSound
PricingAcceptable
Pull ThroughSound
Volume242
Mix75.4%
Spread
+0.592%Above
Fees
$1,489Fees
Refinance
OverallSound
ProductSound
PricingMediocre
Pull ThroughSound
Volume79
Mix24.6%
Spread
+0.981%Above
Fees
$839Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
321
Applications
453
Volume
$55 million
Pricing & Closing
Avg Rate Spread
+0.691%
vs. market APOR
Avg Net Fees
$1,323
Origination − Credits
Pullthrough Rate
70.9%
Applications → Closed
Typical Borrower
Avg Loan Amount
$173,349
Avg Borrower Income
$107,969
Avg Property Value
$260,639
Geographic Coverage
Geographic Performance
Metro Areas
2
markets with activity
States Served
4
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
4Full-year 2024 · HMDALoans originated
< 1010–100100+None
Midwest2
KSMO
South2
AROK
Top Metro Areas 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.