We analyzed every closed loan from Easthampton Savings Bank — 522 loans across 665 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Strong
4/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · Jumbo
Place
Strong
4/5
Multi-Region · 8 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Superstar
Jumbo
Superstar
Purchase
Superstar
Summary
What They Do Well
- Offers rates 0.80 basis points below market average
- Lower than average lender fees
- Strong pull through performance
- Particularly strong in Conventional and Jumbo loans
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Report Card
Easthampton Savings Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
Rates 0.8 bps below market avg
4/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
466 loans · 0.01% below market
Strong
Top 40% of lenders
4/5
FHA
16 loans · 0.06% above market
Sound
Top 60% of lenders
3/5
Jumbo
36 loans · 0.03% below market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
468 loans · 0.04% below market
Strong
Top 40% of lenders
4/5
Refinance
54 loans · 0.31% above market
Sound
Top 60% of lenders
3/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 9 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 | 466 | 89.3% | -0.006%Below | $632Fees | ||||
FHA Loans | — | 16 | 3.1% | +0.062%Above | $104Credit | |||
Jumbo Loans | 36 | 6.9% | -0.029%Below | $846Fees |
Conventional
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume466
Mix89.3%
Spread
-0.006%Below
Fees
$632Fees
FHA Loans
OverallSound
ProductSound
Pricing—
Pull ThroughSound
Volume16
Mix3.1%
Spread
+0.062%Above
Fees
$104Credit
Jumbo Loans
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume36
Mix6.9%
Spread
-0.029%Below
Fees
$846Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 468 | 89.7% | -0.042%Below | $621Fees | ||||
Refinance | 54 | 10.3% | +0.308%Above | $463Fees |
Purchase
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume468
Mix89.7%
Spread
-0.042%Below
Fees
$621Fees
Refinance
OverallSound
ProductSound
PricingSound
Pull ThroughSound
Volume54
Mix10.3%
Spread
+0.308%Above
Fees
$463Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
522
Applications
665
Volume
$246 million
Pricing & Closing
Avg Rate Spread
-0.008%
vs. market APOR
Avg Net Fees
$606
Origination − Credits
Pullthrough Rate
78.5%
Applications → Closed
Typical Borrower
Avg Loan Amount
$472,433
Avg Borrower Income
$194,695
Avg Property Value
$705,536
Geographic Coverage
Geographic Performance
Metro Areas
8
markets with activity
States Served
7
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
7Full-year 2024 · HMDALoans originated
< 1010–2020–5050+None
Northeast6
CTMEMANHRIVT
South1
FL
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.