We analyzed every closed loan from Patriot Bank — 442 loans across 537 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
Strong
4/5
FHA · Conventional · VA · USDA
Place
Exceptional
5/5
Multi-Region · 1 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
FHA
Champion
USDA
Champion
Conventional
Superstar
VA
Superstar
Purchase
Superstar
Summary
What They Do Well
- Offers rates 3.00 basis points below market average
- Lower than average lender fees
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and USDA loans
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Report Card
Patriot Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
Rates 3.0 bps below market avg
5/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
253 loans · 0.01% above market
Strong
Top 40% of lenders
4/5
FHA
128 loans · 0.05% above market
Strong
Top 40% of lenders
4/5
VA
35 loans · 0.64% below market
Strong
Top 40% of lenders
4/5
USDA
24 loans · 0.14% below market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
416 loans · 0.04% below market
Strong
Top 40% of lenders
4/5
Refinance
26 loans · 0.10% above market
Sound
Top 60% of lenders
3/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 2 markets
Sound
Top 60% of lenders
3/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 253 | 57.2% | +0.006%Above | $1,215Fees | ||||
FHA Loans | 128 | 29.0% | +0.054%Above | $1,495Fees | ||||
VA Loans | 35 | 7.9% | -0.640%Below | $1,558Fees | ||||
USDA Loans | 24 | 5.4% | -0.138%Below | $1,490Fees |
Conventional
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughStrong
Volume253
Mix57.2%
Spread
+0.006%Above
Fees
$1,215Fees
FHA Loans
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughStrong
Volume128
Mix29.0%
Spread
+0.054%Above
Fees
$1,495Fees
VA Loans
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume35
Mix7.9%
Spread
-0.640%Below
Fees
$1,558Fees
USDA Loans
OverallExceptional
ProductStrong
PricingExceptional
Pull ThroughExceptional
Volume24
Mix5.4%
Spread
-0.138%Below
Fees
$1,490Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 416 | 94.1% | -0.038%Below | $1,336Fees | ||||
Refinance | 26 | 5.9% | +0.097%Above | $1,314Fees |
Purchase
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughStrong
Volume416
Mix94.1%
Spread
-0.038%Below
Fees
$1,336Fees
Refinance
OverallSound
ProductSound
PricingStrong
Pull ThroughSound
Volume26
Mix5.9%
Spread
+0.097%Above
Fees
$1,314Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
442
Applications
537
Volume
$132 million
Pricing & Closing
Avg Rate Spread
-0.030%
vs. market APOR
Avg Net Fees
$1,334
Origination − Credits
Pullthrough Rate
82.3%
Applications → Closed
Typical Borrower
Avg Loan Amount
$299,072
Avg Borrower Income
$117,378
Avg Property Value
$373,213
Geographic Coverage
Geographic Performance
Metro Areas
1
markets with activity
States Served
11
of 50 states + DC
Avg Place Specialization
Exceptional
5/5
States with Loan Originations
11Full-year 2024 · HMDALoans originated
< 5050+None
Midwest1
MO
South8
ALARFLGALAMSNCTN
West2
UTWY
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.