We analyzed every closed loan from Countybank — 474 loans across 627 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 · VA
Place
Strong
4/5
Multi-Region · 3 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Superstar
VA
Superstar
Refinance
Superstar
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA loans
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Report Card
Countybank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+24.8 bps above market avg
3/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
380 loans · 0.22% above market
Strong
Top 40% of lenders
4/5
FHA
59 loans · 0.58% above market
Strong
Top 40% of lenders
4/5
VA
24 loans · 0.27% below market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
402 loans · 0.25% above market
Strong
Top 40% of lenders
4/5
Refinance
72 loans · 0.22% above market
Sound
Top 60% of lenders
3/5
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 | 380 | 80.2% | +0.223%Above | $1,471Fees | ||||
FHA Loans | 59 | 12.4% | +0.577%Above | $2,650Fees | ||||
VA Loans | 24 | 5.1% | -0.265%Below | $1,385Fees |
Conventional
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume380
Mix80.2%
Spread
+0.223%Above
Fees
$1,471Fees
FHA Loans
OverallSound
ProductStrong
PricingSound
Pull ThroughStrong
Volume59
Mix12.4%
Spread
+0.577%Above
Fees
$2,650Fees
VA Loans
OverallSound
ProductStrong
PricingSound
Pull ThroughSound
Volume24
Mix5.1%
Spread
-0.265%Below
Fees
$1,385Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 402 | 84.8% | +0.254%Above | $1,595Fees | ||||
Refinance | 72 | 15.2% | +0.216%Above | $1,819Fees |
Purchase
OverallSound
ProductStrong
PricingSound
Pull ThroughSound
Volume402
Mix84.8%
Spread
+0.254%Above
Fees
$1,595Fees
Refinance
OverallStrong
ProductSound
PricingStrong
Pull ThroughStrong
Volume72
Mix15.2%
Spread
+0.216%Above
Fees
$1,819Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
474
Applications
627
Volume
$156 million
Pricing & Closing
Avg Rate Spread
+0.248%
vs. market APOR
Avg Net Fees
$1,630
Origination − Credits
Pullthrough Rate
75.6%
Applications → Closed
Typical Borrower
Avg Loan Amount
$329,641
Avg Borrower Income
$143,219
Avg Property Value
$463,502
Geographic Coverage
Geographic Performance
Metro Areas
3
markets with activity
States Served
10
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
10Full-year 2024 · HMDALoans originated
< 100100+None
Northeast1
PA
Midwest1
IN
South8
FLGAKYNCSCTNVAWV
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.