Extraco Banks has 313 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
Sound
3/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA · Jumbo
Place
Strong
4/5
Multi-Region · 6 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Superstar
FHA
Superstar
VA
Superstar
Jumbo
Superstar
Purchase
Superstar
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and VA and Jumbo loans
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Report Card
Extraco Banks performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+6.2 bps above market avg
3/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
222 loans · 0.11% above market
Strong
Top 40% of lenders
4/5
FHA
24 loans · 0.25% above market
Sound
Top 60% of lenders
3/5
VA
41 loans · 0.32% below market
Strong
Top 40% of lenders
4/5
Jumbo
26 loans · 0.00% below market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
282 loans · 0.04% above market
Sound
Top 60% of lenders
3/5
Refinance
31 loans · 0.25% above market
Sound
Top 60% of lenders
3/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 7 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 | 222 | 70.9% | +0.106%Above | $1,038Fees | ||||
FHA Loans | 24 | 7.7% | +0.246%Above | $2,189Fees | ||||
VA Loans | 41 | 13.1% | -0.324%Below | $1,822Fees | ||||
Jumbo Loans | 26 | 8.3% | -0.003%Below | $662Fees |
Conventional
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume222
Mix70.9%
Spread
+0.106%Above
Fees
$1,038Fees
FHA Loans
OverallStrong
ProductSound
PricingStrong
Pull ThroughStrong
Volume24
Mix7.7%
Spread
+0.246%Above
Fees
$2,189Fees
VA Loans
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume41
Mix13.1%
Spread
-0.324%Below
Fees
$1,822Fees
Jumbo Loans
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume26
Mix8.3%
Spread
-0.003%Below
Fees
$662Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 282 | 90.1% | +0.039%Above | $1,205Fees | ||||
Refinance | 31 | 9.9% | +0.253%Above | $981Fees |
Purchase
OverallStrong
ProductSound
PricingSound
Pull ThroughStrong
Volume282
Mix90.1%
Spread
+0.039%Above
Fees
$1,205Fees
Refinance
OverallSound
ProductSound
PricingAcceptable
Pull ThroughSound
Volume31
Mix9.9%
Spread
+0.253%Above
Fees
$981Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
313
Applications
421
Volume
$127 million
Pricing & Closing
Avg Rate Spread
+0.062%
vs. market APOR
Avg Net Fees
$1,180
Origination − Credits
Pullthrough Rate
74.3%
Applications → Closed
Typical Borrower
Avg Loan Amount
$407,173
Avg Borrower Income
$214,297
Avg Property Value
$503,658
Geographic Coverage
Geographic Performance
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.