What loan types does Piedmont Federal Savings Bank offer?

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

Where does Piedmont Federal Savings Bank offer mortgages?

Piedmont Federal Savings Bank offers mortgages in 2 states: NC, VA.

How competitive are Piedmont Federal Savings Bank's mortgage rates?

Piedmont Federal Savings Bank has an overall pricing score of 64.1/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Piedmont Federal Savings Bank?

Piedmont Federal Savings Bank is a Bank headquartered in Winston-Salem, NC.

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Piedmont Federal Savings Bank

Bank•Winston-Salem, NCHQ•Direct•Reviews near you on Google

Piedmont Federal Savings Bank has 101 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

Strong

4/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Sound

3/5

Conventional

Place

Strong

4/5

Regional · 1 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Awards

Refinance

Superstar

Summary

What They Do Well

Competitive pricing compared to the market
Lower than average lender fees

Explore another lender or local market

Report Card

Piedmont Federal Savings Bank performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Strong

+11.6 bps above market avg

4/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

96 loans · 0.14% above market

Sound

Top 60% of lenders

3/5

By Loan Purpose· Transaction purpose mix

Purchase

83 loans · 0.28% above market

Sound

Top 60% of lenders

3/5

Refinance

18 loans · 0.38% below market

Acceptable

Bottom 40% of lenders

2/5

By Location· Geographic coverage

Geographic Reach

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	Sound	Sound	Strong	Sound	96	95.0%	+0.140%Above	$522Fees

Conventional

Overall

Sound

Product

Sound

Pricing

Strong

Pull Through

Sound

Volume96

Mix95.0%

Spread

+0.140%Above

Fees

$522Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Sound	Sound	Sound	83	82.2%	+0.280%Above	$619Fees
Refinance	Strong	Acceptable	Exceptional	Strong	18	17.8%	-0.383%Below	$604Fees

Purchase

Overall

Sound

Product

Sound

Pricing

Sound

Pull Through

Sound

Volume83

Mix82.2%

Spread

+0.280%Above

Fees

$619Fees

Refinance

Overall

Strong

Product

Acceptable

Pricing

Exceptional

Pull Through

Strong

Volume18

Mix17.8%

Spread

-0.383%Below

Fees

$604Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

101

Applications

144

Volume

$32 million

Pricing & Closing

Avg Rate Spread

+0.116%

vs. market APOR

Avg Net Fees

$616

Origination − Credits

Pullthrough Rate

70.1%

Applications → Closed

Typical Borrower

Avg Loan Amount

$318,762

Avg Borrower Income

$171,257

Avg Property Value

$487,970

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

2Full-year 2024 · HMDA

Loans originated

All statesNone

South2

NCVA

Top Metro Areas by Place Specialization Score

Winston, NCMetro

Volume 72Mix 71.29% of portfolio

79/100

Strong

Top States by Place Specialization Score

North CarolinaState

Volume 100Mix 99.01% of portfolio

67/100

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.