We analyzed every closed loan from First Palmetto Bank — 453 loans across 521 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 · VA · USDA
Place
Strong
4/5
Multi-Region · 5 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Superstar
FHA
Superstar
VA
Superstar
Purchase
Superstar
Refinance
Superstar
Summary
What They Do Well
- Competitive pricing compared to the market
- Lower than average lender fees
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and USDA loans
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Report Card
First Palmetto Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
+5.2 bps above market avg
4/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
331 loans · 0.02% below market
Strong
Top 40% of lenders
4/5
FHA
78 loans · 0.52% above market
Strong
Top 40% of lenders
4/5
VA
25 loans · 0.34% below market
Strong
Top 40% of lenders
4/5
USDA
10 loans · 0.04% below market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
367 loans · 0.03% above market
Strong
Top 40% of lenders
4/5
Refinance
86 loans · 0.14% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 6 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 | 331 | 73.1% | -0.017%Below | $1,090Fees | ||||
FHA Loans | 78 | 17.2% | +0.520%Above | $1,097Fees | ||||
VA Loans | 25 | 5.5% | -0.339%Below | $1,033Fees | ||||
USDA Loans | — | — | 10 | 2.2% | -0.038%Below | $1,526Fees |
Conventional
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume331
Mix73.1%
Spread
-0.017%Below
Fees
$1,090Fees
FHA Loans
OverallStrong
ProductStrong
PricingStrong
Pull ThroughExceptional
Volume78
Mix17.2%
Spread
+0.520%Above
Fees
$1,097Fees
VA Loans
OverallStrong
ProductStrong
PricingStrong
Pull ThroughExceptional
Volume25
Mix5.5%
Spread
-0.339%Below
Fees
$1,033Fees
USDA Loans
OverallStrong
ProductStrong
Pricing—
Pull Through—
Volume10
Mix2.2%
Spread
-0.038%Below
Fees
$1,526Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 367 | 81.0% | +0.032%Above | $1,115Fees | ||||
Refinance | 86 | 19.0% | +0.141%Above | $1,108Fees |
Purchase
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume367
Mix81.0%
Spread
+0.032%Above
Fees
$1,115Fees
Refinance
OverallStrong
ProductStrong
PricingStrong
Pull ThroughExceptional
Volume86
Mix19.0%
Spread
+0.141%Above
Fees
$1,108Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
453
Applications
521
Volume
$140 million
Pricing & Closing
Avg Rate Spread
+0.052%
vs. market APOR
Avg Net Fees
$1,114
Origination − Credits
Pullthrough Rate
86.9%
Applications → Closed
Typical Borrower
Avg Loan Amount
$309,238
Avg Borrower Income
$153,735
Avg Property Value
$415,706
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.