We analyzed every closed loan from First Horizon Bank — 4.5k loans across 6k 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 · USDA
Place
Sound
3/5
National · 49 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Superstar
FHA
Superstar
VA
Superstar
Jumbo
Superstar
Purchase
Superstar
Refinance
Superstar
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and Jumbo and USDA loans
- Nationwide availability with consistent service
Explore another lender or local market
Report Card
First Horizon Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+13.0 bps above market avg
3/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
3,174 loans · 0.14% above market
Exceptional
Top 20% of lenders
5/5
FHA
197 loans · 0.45% above market
Strong
Top 40% of lenders
4/5
VA
179 loans · 0.44% below market
Strong
Top 40% of lenders
4/5
Jumbo
882 loans · 0.12% above market
Exceptional
Top 10% of lenders
5/5
USDA
30 loans · 0.16% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
4,000 loans · 0.13% above market
Exceptional
Top 20% of lenders
5/5
Refinance
462 loans · 0.14% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
National · 50 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 | 3,174 | 71.1% | +0.141%Above | $1,787Fees | ||||
FHA Loans | 197 | 4.4% | +0.450%Above | $2,216Fees | ||||
VA Loans | 179 | 4.0% | -0.437%Below | $853Fees | ||||
Jumbo Loans | 882 | 19.8% | +0.118%Above | $954Fees | ||||
USDA Loans | — | 30 | 0.7% | +0.163%Above | $1,430Fees |
Conventional
OverallStrong
ProductExceptional
PricingSound
Pull ThroughStrong
Volume3,174
Mix71.1%
Spread
+0.141%Above
Fees
$1,787Fees
FHA Loans
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume197
Mix4.4%
Spread
+0.450%Above
Fees
$2,216Fees
VA Loans
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughStrong
Volume179
Mix4.0%
Spread
-0.437%Below
Fees
$853Fees
Jumbo Loans
OverallStrong
ProductExceptional
PricingAcceptable
Pull ThroughStrong
Volume882
Mix19.8%
Spread
+0.118%Above
Fees
$954Fees
USDA Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughStrong
Volume30
Mix0.7%
Spread
+0.163%Above
Fees
$1,430Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 4,000 | 89.6% | +0.129%Above | $1,650Fees | ||||
Refinance | 462 | 10.4% | +0.141%Above | $1,229Fees |
Purchase
OverallStrong
ProductExceptional
PricingSound
Pull ThroughStrong
Volume4,000
Mix89.6%
Spread
+0.129%Above
Fees
$1,650Fees
Refinance
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume462
Mix10.4%
Spread
+0.141%Above
Fees
$1,229Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
4,462
Applications
6,204
Volume
$2 billion
Pricing & Closing
Avg Rate Spread
+0.130%
vs. market APOR
Avg Net Fees
$1,607
Origination − Credits
Pullthrough Rate
71.9%
Applications → Closed
Typical Borrower
Avg Loan Amount
$535,101
Avg Borrower Income
$264,324
Avg Property Value
$667,352
Geographic Coverage
Geographic Performance
Metro Areas
49
markets with activity
States Served
40
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
40Full-year 2024 · HMDALoans originated
< 100100–200200–500500+None
Northeast6
CTMANJNYPARI
Midwest10
IAILINKSMIMNMONEOHWI
South15
ALARFLGAKYLAMDMSNCOKSCTNTXVAWV
West9
AZCACOMTNMNVORUTWA
Top Metro Areas by Place Specialization Score
Showing 10 of 49 metro areas
Top States by Place Specialization Score
Showing 10 of 12 states
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.