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First Harrison Bank

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First Harrison Bank has 194 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Strong
4/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Sound
3/5
FHA · Conventional
Place
Exceptional
5/5
Regional · 1 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Safe Rate Awards
Conventional Superstar
Conventional
Superstar
Purchase Superstar
Purchase
Superstar
Refinance Superstar
Refinance
Superstar

Safe Rate Summary

What They Do Well

  • Competitive pricing compared to the market
  • Lower than average lender fees
  • Strong pull through performance

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Report Card

First Harrison Bank performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
+9.8 bps above market avg
4/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
175 loans · 0.06% above market
Sound
Top 60% of lenders
3/5
FHA
17 loans · 0.54% above market
Sound
Top 60% of lenders
3/5
By Loan Purpose· Transaction purpose mix
Purchase
147 loans · 0.06% above market
Sound
Top 60% of lenders
3/5
Refinance
47 loans · 0.23% above market
Sound
Top 60% of lenders
3/5
By Location· Geographic coverage
Geographic Reach
Regional · 2 markets
Sound
Top 60% of lenders
3/5

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Strong
Product
Sound
Pricing
Strong
Pull Through
Strong
Volume175
Mix90.2%
Spread
+0.061%Above
Fees
$1,052Fees
FHA Loans
Overall
Sound
Product
Sound
Pricing
Pull Through
Sound
Volume17
Mix8.8%
Spread
+0.536%Above
Fees
$1,416Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Strong
Product
Sound
Pricing
Strong
Pull Through
Sound
Volume147
Mix75.8%
Spread
+0.058%Above
Fees
$1,104Fees
Refinance
Overall
Strong
Product
Sound
Pricing
Strong
Pull Through
Strong
Volume47
Mix24.2%
Spread
+0.232%Above
Fees
$1,000Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
194
Applications
242
Volume
$42 million
Pricing & Closing
Avg Rate Spread
+0.098%
vs. market APOR
Avg Net Fees
$1,080
Origination − Credits
Pullthrough Rate
80.2%
Applications → Closed
Typical Borrower
Avg Loan Amount
$217,680
Avg Borrower Income
$99,979
Avg Property Value
$322,990

Geographic Coverage

Geographic Performance

Metro Areas
1
markets with activity
States Served
3
of 50 states + DC
Avg Place Specialization
Exceptional
5/5

States with Loan Originations

3Full-year 2024 · HMDA
3 states with loan originations
Loans originated
< 5050+None
Midwest2
INMN
South1
KY

Top Metro Areas by Place Specialization Score

1© Ken Lund · CC BY-SA 2.0
Louisville/Jefferson County, KY, KY-INMetro
Volume 180Mix 92.78% of portfolio
85/100
Exceptional

Top States by Place Specialization Score

Indiana
Indiana
1
IndianaState
Volume 139Mix 71.65% of portfolio
70/100
Strong
Kentucky
Kentucky
2
KentuckyState
Volume 54Mix 27.84% of portfolio
63/100
Strong

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
Champion(80%+ = 40-50 points)
Superstar
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.