We analyzed every closed loan from North Shore Bank of Commerce — 522 loans across 583 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Acceptable
2/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA · Jumbo
Place
Exceptional
5/5
Multi-Region · 1 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Superstar
Purchase
Superstar
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and VA and Jumbo loans
Things to Think About
- Pricing may be below industry average
Explore another lender or local market
Report Card
North Shore Bank of Commerce performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+20.2 bps above market avg
2/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
475 loans · 0.20% above market
Strong
Top 40% of lenders
4/5
FHA
16 loans · 0.84% above market
Sound
Top 60% of lenders
3/5
VA
19 loans · 0.31% below market
Strong
Top 40% of lenders
4/5
Jumbo
12 loans · 0.33% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
476 loans · 0.20% above market
Strong
Top 40% of lenders
4/5
Refinance
46 loans · 0.22% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 2 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 | 475 | 91.0% | +0.203%Above | $3,404Fees | ||||
FHA Loans | — | 16 | 3.1% | +0.843%Above | $2,362Fees | |||
VA Loans | — | 19 | 3.6% | -0.309%Below | $1,656Fees | |||
Jumbo Loans | — | — | 12 | 2.3% | +0.327%Above | $8,305Fees |
Conventional
OverallStrong
ProductStrong
PricingAcceptable
Pull ThroughExceptional
Volume475
Mix91.0%
Spread
+0.203%Above
Fees
$3,404Fees
FHA Loans
OverallStrong
ProductSound
Pricing—
Pull ThroughExceptional
Volume16
Mix3.1%
Spread
+0.843%Above
Fees
$2,362Fees
VA Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughExceptional
Volume19
Mix3.6%
Spread
-0.309%Below
Fees
$1,656Fees
Jumbo Loans
OverallStrong
ProductStrong
Pricing—
Pull Through—
Volume12
Mix2.3%
Spread
+0.327%Above
Fees
$8,305Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 476 | 91.2% | +0.200%Above | $3,485Fees | ||||
Refinance | 46 | 8.8% | +0.221%Above | $2,670Fees |
Purchase
OverallStrong
ProductStrong
PricingAcceptable
Pull ThroughExceptional
Volume476
Mix91.2%
Spread
+0.200%Above
Fees
$3,485Fees
Refinance
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughExceptional
Volume46
Mix8.8%
Spread
+0.221%Above
Fees
$2,670Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
522
Applications
583
Volume
$153 million
Pricing & Closing
Avg Rate Spread
+0.202%
vs. market APOR
Avg Net Fees
$3,399
Origination − Credits
Pullthrough Rate
89.5%
Applications → Closed
Typical Borrower
Avg Loan Amount
$294,751
Avg Borrower Income
$138,027
Avg Property Value
$372,370
Geographic Coverage
Geographic Performance
Metro Areas
1
markets with activity
States Served
6
of 50 states + DC
Avg Place Specialization
Exceptional
5/5
States with Loan Originations
6Full-year 2024 · HMDALoans originated
< 5050+None
Northeast1
ME
Midwest3
MNNDWI
South2
FLTX
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.