What loan types does Florence Bank offer?

Florence Bank offers the following mortgage loan types: Conventional. Each product has its own pricing score and performance metrics.

Where does Florence Bank offer mortgages?

Florence Bank offers mortgages in 1 states: MA.

How competitive are Florence Bank's mortgage rates?

Florence Bank has an overall pricing score of 91.5/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Florence Bank?

Florence Bank is a Bank headquartered in Northampton, MA.

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Florence Bank

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Florence Bank has 194 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

Exceptional

5/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Strong

4/5

Conventional

Place

Exceptional

5/5

Single State · 2 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Awards

Conventional

Superstar

Purchase

Superstar

Refinance

Superstar

Summary

What They Do Well

Offers rates 58.60 basis points below market average
Lower than average lender fees

Explore another lender or local market

Report Card

Florence Bank performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Exceptional

Rates 58.6 bps below market avg

5/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

193 loans · 0.58% below market

Strong

Top 40% of lenders

4/5

By Loan Purpose· Transaction purpose mix

Purchase

166 loans · 0.59% below market

Strong

Top 40% of lenders

4/5

Refinance

28 loans · 0.56% below market

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

Single State · 3 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	Strong	Strong	Exceptional	Strong	193	99.5%	-0.585%Below	$652Fees

Conventional

Overall

Strong

Product

Strong

Pricing

Exceptional

Pull Through

Strong

Volume193

Mix99.5%

Spread

-0.585%Below

Fees

$652Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Strong	Strong	Exceptional	Sound	166	85.6%	-0.591%Below	$629Fees
Refinance	Strong	Sound	Strong	Strong	28	14.4%	-0.557%Below	$791Fees

Purchase

Overall

Strong

Product

Strong

Pricing

Exceptional

Pull Through

Sound

Volume166

Mix85.6%

Spread

-0.591%Below

Fees

$629Fees

Refinance

Overall

Strong

Product

Sound

Pricing

Strong

Pull Through

Strong

Volume28

Mix14.4%

Spread

-0.557%Below

Fees

$791Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

194

Applications

284

Volume

$59 million

Pricing & Closing

Avg Rate Spread

-0.586%

vs. market APOR

Avg Net Fees

$652

Origination − Credits

Pullthrough Rate

68.3%

Applications → Closed

Typical Borrower

Avg Loan Amount

$304,175

Avg Borrower Income

$136,160

Avg Property Value

$457,526

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Exceptional

5/5

States with Loan Originations

1Full-year 2024 · HMDA

Loans originated

All statesNone

Northeast1

Top Metro Areas by Place Specialization Score

Amherst Town, MAMetro

Volume 92Mix 47.42% of portfolio

100/100

Exceptional

Springfield, MAMetro

Volume 72Mix 37.11% of portfolio

79/100

Strong

Top States by Place Specialization Score

MassachusettsState

Volume 194Mix 100.00% of portfolio

76/100

Strong

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.