We analyzed every closed loan from First State Community Bank — 594 loans across 1k 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
Acceptable
2/5
closing strength
Product
Strong
4/5
FHA · Conventional · USDA
Place
Strong
4/5
Regional · 3 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Superstar
USDA
Superstar
Purchase
Superstar
Summary
What They Do Well
- Competitive pricing compared to the market
- Lower than average lender fees
- Particularly strong in Conventional and USDA loans
Things to Think About
- Pull through efficiency is below industry average
Explore another lender or local market
Report Card
First State Community Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
+3.0 bps above market avg
4/5
Pull Through
Closing strength
Acceptable
Bottom 40% of lenders
2/5
By Loan Product· Specialization by type
Conventional
525 loans · 0.02% below market
Strong
Top 40% of lenders
4/5
FHA
32 loans · 0.78% above market
Sound
Top 60% of lenders
3/5
USDA
35 loans · 0.03% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
468 loans · 0.03% above market
Strong
Top 40% of lenders
4/5
Refinance
126 loans · 0.03% above market
Sound
Top 60% of lenders
3/5
By Location· Geographic coverage
Geographic Reach
Regional · 4 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 | 525 | 88.4% | -0.016%Below | $1,032Fees | ||||
FHA Loans | 32 | 5.4% | +0.782%Above | $1,681Fees | ||||
USDA Loans | 35 | 5.9% | +0.031%Above | $1,149Fees |
Conventional
OverallStrong
ProductStrong
PricingStrong
Pull ThroughSound
Volume525
Mix88.4%
Spread
-0.016%Below
Fees
$1,032Fees
FHA Loans
OverallSound
ProductSound
PricingSound
Pull ThroughAcceptable
Volume32
Mix5.4%
Spread
+0.782%Above
Fees
$1,681Fees
USDA Loans
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughSound
Volume35
Mix5.9%
Spread
+0.031%Above
Fees
$1,149Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 468 | 78.8% | +0.029%Above | $1,084Fees | ||||
Refinance | 126 | 21.2% | +0.034%Above | $1,031Fees |
Purchase
OverallStrong
ProductStrong
PricingStrong
Pull ThroughSound
Volume468
Mix78.8%
Spread
+0.029%Above
Fees
$1,084Fees
Refinance
OverallSound
ProductSound
PricingSound
Pull ThroughSound
Volume126
Mix21.2%
Spread
+0.034%Above
Fees
$1,031Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
594
Applications
1,116
Volume
$121 million
Pricing & Closing
Avg Rate Spread
+0.030%
vs. market APOR
Avg Net Fees
$1,072
Origination − Credits
Pullthrough Rate
53.2%
Applications → Closed
Typical Borrower
Avg Loan Amount
$205,370
Avg Borrower Income
$106,759
Avg Property Value
$298,434
Geographic Coverage
Geographic Performance
Metro Areas
3
markets with activity
States Served
3
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
3Full-year 2024 · HMDALoans originated
< 500500+None
Midwest1
MO
South1
KY
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.