We analyzed every closed loan from Fortress Bank — 583 loans across 695 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
Place
Strong
4/5
Multi-Region · 4 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Superstar
FHA
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 loans
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Report Card
Fortress Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
+24.9 bps above market avg
4/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
412 loans · 0.13% above market
Strong
Top 40% of lenders
4/5
FHA
146 loans · 0.70% above market
Strong
Top 40% of lenders
4/5
VA
17 loans · 0.18% below market
Sound
Top 60% of lenders
3/5
By Loan Purpose· Transaction purpose mix
Purchase
544 loans · 0.26% above market
Strong
Top 40% of lenders
4/5
Refinance
39 loans · 0.08% above market
Sound
Top 60% of lenders
3/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 5 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 | 412 | 70.7% | +0.132%Above | $1,313Fees | ||||
FHA Loans | 146 | 25.0% | +0.701%Above | $1,506Fees | ||||
VA Loans | — | 17 | 2.9% | -0.176%Below | $1,628Fees |
Conventional
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume412
Mix70.7%
Spread
+0.132%Above
Fees
$1,313Fees
FHA Loans
OverallStrong
ProductStrong
PricingSound
Pull ThroughExceptional
Volume146
Mix25.0%
Spread
+0.701%Above
Fees
$1,506Fees
VA Loans
OverallStrong
ProductSound
Pricing—
Pull ThroughStrong
Volume17
Mix2.9%
Spread
-0.176%Below
Fees
$1,628Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 544 | 93.3% | +0.262%Above | $1,423Fees | ||||
Refinance | 39 | 6.7% | +0.083%Above | $584Fees |
Purchase
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume544
Mix93.3%
Spread
+0.262%Above
Fees
$1,423Fees
Refinance
OverallStrong
ProductSound
PricingStrong
Pull ThroughStrong
Volume39
Mix6.7%
Spread
+0.083%Above
Fees
$584Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
583
Applications
695
Volume
$132 million
Pricing & Closing
Avg Rate Spread
+0.249%
vs. market APOR
Avg Net Fees
$1,361
Origination − Credits
Pullthrough Rate
83.9%
Applications → Closed
Typical Borrower
Avg Loan Amount
$227,521
Avg Borrower Income
$104,441
Avg Property Value
$275,103
Geographic Coverage
Geographic Performance
Metro Areas
4
markets with activity
States Served
19
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
19Full-year 2024 · HMDALoans originated
< 100100+None
Northeast2
NJPA
Midwest8
IAILKSMNMONEOHWI
South5
FLKYNCTNTX
West4
AZCAMTNV
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.