We analyzed every closed loan from Leader Bank — 4.1k loans across 5k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Exceptional
5/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · Jumbo
Place
Strong
4/5
National · 14 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Champion
Jumbo
Champion
Purchase
Champion
Refinance
Champion
FHA
Superstar
VA
Superstar
Summary
What They Do Well
- Offers rates 9.00 basis points below market average
- Lower than average lender fees
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and Jumbo loans
- Nationwide availability with consistent service
Explore another lender or local market
Report Card
Leader Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
Rates 9.0 bps below market avg
5/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
3,538 loans · 0.07% below market
Exceptional
Top 20% of lenders
5/5
FHA
68 loans · 0.13% above market
Strong
Top 40% of lenders
4/5
VA
70 loans · 0.50% below market
Strong
Top 40% of lenders
4/5
Jumbo
396 loans · 0.20% below market
Exceptional
Top 20% of lenders
5/5
By Loan Purpose· Transaction purpose mix
Purchase
3,626 loans · 0.10% below market
Exceptional
Top 20% of lenders
5/5
Refinance
446 loans · 0.04% below market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
National · 15 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 | 3,538 | 86.9% | -0.075%Below | $944Fees | ||||
FHA Loans | 68 | 1.7% | +0.134%Above | $589Fees | ||||
VA Loans | 70 | 1.7% | -0.503%Below | $1,214Fees | ||||
Jumbo Loans | 396 | 9.7% | -0.200%Below | $688Fees |
Conventional
OverallExceptional
ProductExceptional
PricingExceptional
Pull ThroughStrong
Volume3,538
Mix86.9%
Spread
-0.075%Below
Fees
$944Fees
FHA Loans
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughStrong
Volume68
Mix1.7%
Spread
+0.134%Above
Fees
$589Fees
VA Loans
OverallStrong
ProductStrong
PricingStrong
Pull ThroughExceptional
Volume70
Mix1.7%
Spread
-0.503%Below
Fees
$1,214Fees
Jumbo Loans
OverallStrong
ProductExceptional
PricingStrong
Pull ThroughStrong
Volume396
Mix9.7%
Spread
-0.200%Below
Fees
$688Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 3,626 | 89.0% | -0.097%Below | $1,136Fees | ||||
Refinance | 446 | 11.0% | -0.038%Below | $824Credit |
Purchase
OverallStrong
ProductExceptional
PricingExceptional
Pull ThroughStrong
Volume3,626
Mix89.0%
Spread
-0.097%Below
Fees
$1,136Fees
Refinance
OverallExceptional
ProductStrong
PricingExceptional
Pull ThroughExceptional
Volume446
Mix11.0%
Spread
-0.038%Below
Fees
$824Credit
At a Glance
Lender Overview
Lending Activity
Loans Originated
4,072
Applications
4,903
Volume
$2 billion
Pricing & Closing
Avg Rate Spread
-0.090%
vs. market APOR
Avg Net Fees
$917
Origination − Credits
Pullthrough Rate
83.1%
Applications → Closed
Typical Borrower
Avg Loan Amount
$564,074
Avg Borrower Income
$221,673
Avg Property Value
$819,607
Geographic Coverage
Geographic Performance
Metro Areas
14
markets with activity
States Served
42
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
42Full-year 2024 · HMDALoans originated
< 1010–2020–5050–100100+None
Northeast9
CTMEMANHNJNYPARIVT
Midwest8
ILINKSMIMNMOOHSD
South15
ALARDEFLGAKYLAMDMSNCOKSCTNTXVA
West10
AZCACOIDMTNMNVORUTWA
Top Metro Areas by Place Specialization Score
Showing 10 of 14 metro areas
Top States by Place Specialization Score
Showing 10 of 16 states
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.