Five Star Bank has 397 closed loans in our dataset — fully analyzed and benchmarked against peers 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
Place
Strong
4/5
Single State · 3 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Superstar
FHA
Superstar
Purchase
Superstar
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
Five Star Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
+26.3 bps above market avg
4/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
359 loans · 0.25% above market
Strong
Top 40% of lenders
4/5
FHA
24 loans · 0.50% above market
Sound
Top 60% of lenders
3/5
By Loan Purpose· Transaction purpose mix
Purchase
360 loans · 0.22% above market
Strong
Top 40% of lenders
4/5
Refinance
37 loans · 0.57% above market
Sound
Top 60% of lenders
3/5
By Location· Geographic coverage
Geographic Reach
Single State · 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 | 359 | 90.4% | +0.253%Above | $1,254Fees | ||||
FHA Loans | 24 | 6.0% | +0.499%Above | $1,465Fees |
Conventional
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume359
Mix90.4%
Spread
+0.253%Above
Fees
$1,254Fees
FHA Loans
OverallSound
ProductSound
PricingStrong
Pull ThroughSound
Volume24
Mix6.0%
Spread
+0.499%Above
Fees
$1,465Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 360 | 90.7% | +0.216%Above | $1,289Fees | ||||
Refinance | 37 | 9.3% | +0.567%Above | $1,209Fees |
Purchase
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume360
Mix90.7%
Spread
+0.216%Above
Fees
$1,289Fees
Refinance
OverallSound
ProductSound
PricingAcceptable
Pull ThroughSound
Volume37
Mix9.3%
Spread
+0.567%Above
Fees
$1,209Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
397
Applications
503
Volume
$98 million
Pricing & Closing
Avg Rate Spread
+0.263%
vs. market APOR
Avg Net Fees
$1,278
Origination − Credits
Pullthrough Rate
78.9%
Applications → Closed
Typical Borrower
Avg Loan Amount
$248,652
Avg Borrower Income
$107,008
Avg Property Value
$312,708
Geographic Coverage
Geographic Performance
Metro Areas
3
markets with activity
States Served
1
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
1Full-year 2024 · HMDALoans originated
All statesNone
Northeast1
NY
Top Metro Areas by Place Specialization Score
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.