We analyzed every closed loan from Dollar Bank, Federal Savings Bank — 1.4k loans across 2k 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
Exceptional
5/5
FHA · Conventional · VA · Jumbo
Place
Sound
3/5
Near-National · 11 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Superstar
FHA
Superstar
Jumbo
Superstar
Purchase
Superstar
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and Jumbo loans
- Nationwide availability with consistent service
Explore another lender or local market
Report Card
Dollar Bank, Federal Savings Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+24.4 bps above market avg
3/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
1,150 loans · 0.23% above market
Strong
Top 40% of lenders
4/5
FHA
51 loans · 0.70% above market
Strong
Top 40% of lenders
4/5
VA
11 loans · 0.08% below market
Acceptable
Bottom 40% of lenders
2/5
Jumbo
218 loans · 0.23% above market
Exceptional
Top 20% of lenders
5/5
By Loan Purpose· Transaction purpose mix
Purchase
1,044 loans · 0.17% above market
Strong
Top 40% of lenders
4/5
Refinance
386 loans · 0.42% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Near-National · 12 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 | 1,150 | 80.4% | +0.229%Above | $996Fees | ||||
FHA Loans | 51 | 3.6% | +0.700%Above | $812Fees | ||||
VA Loans | — | 11 | 0.8% | -0.081%Below | $274Fees | |||
Jumbo Loans | 218 | 15.2% | +0.225%Above | $2,779Fees |
Conventional
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume1,150
Mix80.4%
Spread
+0.229%Above
Fees
$996Fees
FHA Loans
OverallSound
ProductStrong
PricingStrong
Pull ThroughSound
Volume51
Mix3.6%
Spread
+0.700%Above
Fees
$812Fees
VA Loans
OverallAcceptable
ProductAcceptable
Pricing—
Pull ThroughAcceptable
Volume11
Mix0.8%
Spread
-0.081%Below
Fees
$274Fees
Jumbo Loans
OverallStrong
ProductExceptional
PricingAcceptable
Pull ThroughStrong
Volume218
Mix15.2%
Spread
+0.225%Above
Fees
$2,779Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 1,044 | 73.0% | +0.175%Above | $1,579Fees | ||||
Refinance | 386 | 27.0% | +0.420%Above | $256Fees |
Purchase
OverallSound
ProductStrong
PricingSound
Pull ThroughSound
Volume1,044
Mix73.0%
Spread
+0.175%Above
Fees
$1,579Fees
Refinance
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume386
Mix27.0%
Spread
+0.420%Above
Fees
$256Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
1,430
Applications
2,050
Volume
$521 million
Pricing & Closing
Avg Rate Spread
+0.244%
vs. market APOR
Avg Net Fees
$1,203
Origination − Credits
Pullthrough Rate
69.8%
Applications → Closed
Typical Borrower
Avg Loan Amount
$364,552
Avg Borrower Income
$172,799
Avg Property Value
$522,615
Geographic Coverage
Geographic Performance
Metro Areas
11
markets with activity
States Served
29
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
29Full-year 2024 · HMDALoans originated
< 2020–5050–100100+None
Northeast5
MANHNJPARI
Midwest8
ILINKSMNMONDOHWI
South14
ALDEFLGAKYMDMSNCOKSCTNTXVAWV
West2
COUT
Top Metro Areas by Place Specialization Score
Showing 10 of 11 metro areas
Top States 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.