We analyzed every closed loan from First PREMIER Bank — 440 loans across 846 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
Sound
3/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA
Place
Exceptional
5/5
Multi-Region · 1 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Superstar
FHA
Superstar
VA
Superstar
Purchase
Superstar
Summary
What They Do Well
- Offers rates 9.60 basis points below market average
- Particularly strong in Conventional and FHA and VA loans
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Report Card
First PREMIER Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
Rates 9.6 bps below market avg
4/5
Pull Through
Closing strength
Sound
Top 60% of lenders
3/5
By Loan Product· Specialization by type
Conventional
271 loans · 0.09% below market
Strong
Top 40% of lenders
4/5
FHA
128 loans · 0.03% above market
Strong
Top 40% of lenders
4/5
VA
27 loans · 0.69% below market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
393 loans · 0.05% below market
Strong
Top 40% of lenders
4/5
Refinance
47 loans · 0.41% below market
Sound
Top 60% of lenders
3/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 2 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 | 271 | 61.6% | -0.091%Below | $2,005Fees | ||||
FHA Loans | 128 | 29.1% | +0.033%Above | $1,888Fees | ||||
VA Loans | 27 | 6.1% | -0.692%Below | $2,213Fees |
Conventional
OverallStrong
ProductStrong
PricingStrong
Pull ThroughSound
Volume271
Mix61.6%
Spread
-0.091%Below
Fees
$2,005Fees
FHA Loans
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughStrong
Volume128
Mix29.1%
Spread
+0.033%Above
Fees
$1,888Fees
VA Loans
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume27
Mix6.1%
Spread
-0.692%Below
Fees
$2,213Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 393 | 89.3% | -0.049%Below | $1,990Fees | ||||
Refinance | 47 | 10.7% | -0.413%Below | $2,136Fees |
Purchase
OverallStrong
ProductStrong
PricingStrong
Pull ThroughSound
Volume393
Mix89.3%
Spread
-0.049%Below
Fees
$1,990Fees
Refinance
OverallSound
ProductSound
PricingStrong
Pull ThroughSound
Volume47
Mix10.7%
Spread
-0.413%Below
Fees
$2,136Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
440
Applications
846
Volume
$135 million
Pricing & Closing
Avg Rate Spread
-0.096%
vs. market APOR
Avg Net Fees
$2,009
Origination − Credits
Pullthrough Rate
52.0%
Applications → Closed
Typical Borrower
Avg Loan Amount
$307,205
Avg Borrower Income
$126,068
Avg Property Value
$381,932
Geographic Coverage
Geographic Performance
Metro Areas
1
markets with activity
States Served
7
of 50 states + DC
Avg Place Specialization
Exceptional
5/5
States with Loan Originations
7Full-year 2024 · HMDALoans originated
< 1010–2020+None
Midwest5
IAMNNDNESD
South1
FL
West1
AZ
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.