We analyzed every closed loan from Eagle Bank and Trust Company — 1.6k 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
Exceptional
5/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · USDA
Place
Exceptional
5/5
Multi-Region · 6 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Superstar
FHA
Superstar
VA
Superstar
USDA
Superstar
Purchase
Superstar
Refinance
Superstar
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and USDA loans
Explore another lender or local market
Report Card
Eagle Bank and Trust Company performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+22.8 bps above market avg
3/5
Pull Through
Closing strength
Exceptional
Top 20% of lenders
5/5
By Loan Product· Specialization by type
Conventional
848 loans · 0.20% above market
Strong
Top 40% of lenders
4/5
FHA
491 loans · 0.50% above market
Exceptional
Top 20% of lenders
5/5
VA
163 loans · 0.47% below market
Strong
Top 40% of lenders
4/5
USDA
98 loans · 0.19% above market
Exceptional
Top 20% of lenders
5/5
By Loan Purpose· Transaction purpose mix
Purchase
1,545 loans · 0.23% above market
Exceptional
Top 20% of lenders
5/5
Refinance
63 loans · 0.19% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 7 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 | 848 | 52.7% | +0.200%Above | $2,820Fees | ||||
FHA Loans | 491 | 30.5% | +0.502%Above | $2,665Fees | ||||
VA Loans | 163 | 10.1% | -0.469%Below | $1,331Fees | ||||
USDA Loans | 98 | 6.1% | +0.190%Above | $2,038Fees |
Conventional
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume848
Mix52.7%
Spread
+0.200%Above
Fees
$2,820Fees
FHA Loans
OverallStrong
ProductExceptional
PricingSound
Pull ThroughExceptional
Volume491
Mix30.5%
Spread
+0.502%Above
Fees
$2,665Fees
VA Loans
OverallStrong
ProductStrong
PricingStrong
Pull ThroughExceptional
Volume163
Mix10.1%
Spread
-0.469%Below
Fees
$1,331Fees
USDA Loans
OverallStrong
ProductExceptional
PricingStrong
Pull ThroughStrong
Volume98
Mix6.1%
Spread
+0.190%Above
Fees
$2,038Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 1,545 | 96.1% | +0.230%Above | $2,631Fees | ||||
Refinance | 63 | 3.9% | +0.188%Above | $2,822Fees |
Purchase
OverallStrong
ProductExceptional
PricingSound
Pull ThroughStrong
Volume1,545
Mix96.1%
Spread
+0.230%Above
Fees
$2,631Fees
Refinance
OverallSound
ProductStrong
PricingSound
Pull ThroughStrong
Volume63
Mix3.9%
Spread
+0.188%Above
Fees
$2,822Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
1,608
Applications
2,068
Volume
$445 million
Pricing & Closing
Avg Rate Spread
+0.228%
vs. market APOR
Avg Net Fees
$2,639
Origination − Credits
Pullthrough Rate
77.8%
Applications → Closed
Typical Borrower
Avg Loan Amount
$277,152
Avg Borrower Income
$110,543
Avg Property Value
$336,592
Geographic Coverage
Geographic Performance
Metro Areas
6
markets with activity
States Served
21
of 50 states + DC
Avg Place Specialization
Exceptional
5/5
States with Loan Originations
21Full-year 2024 · HMDALoans originated
< 2020–200200–500500+None
Midwest4
INKSMIMO
South12
ALARFLGAKYLAMSOKSCTNTXVA
West5
AZIDNMNVUT
Top Metro Areas by Place Specialization Score
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.