We analyzed every closed loan from Premier Bank — 1.3k loans across 2k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Sound
3/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA
Place
Sound
3/5
Multi-Region · 15 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Superstar
FHA
Superstar
Purchase
Superstar
Summary
What They Do Well
- Strong pull through performance
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Report Card
Premier Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+37.8 bps above market avg
3/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
1,230 loans · 0.38% above market
Strong
Top 40% of lenders
4/5
FHA
50 loans · 0.51% above market
Sound
Top 60% of lenders
3/5
VA
10 loans · 0.19% below market
Acceptable
Bottom 40% of lenders
2/5
By Loan Purpose· Transaction purpose mix
Purchase
1,138 loans · 0.36% above market
Strong
Top 40% of lenders
4/5
Refinance
158 loans · 0.49% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 16 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 | 1,230 | 94.9% | +0.379%Above | $1,090Fees | ||||
FHA Loans | 50 | 3.9% | +0.506%Above | $1,197Fees | ||||
VA Loans | — | — | 10 | 0.8% | -0.189%Below | $752Fees |
Conventional
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume1,230
Mix94.9%
Spread
+0.379%Above
Fees
$1,090Fees
FHA Loans
OverallStrong
ProductSound
PricingStrong
Pull ThroughSound
Volume50
Mix3.9%
Spread
+0.506%Above
Fees
$1,197Fees
VA Loans
OverallAcceptable
ProductAcceptable
Pricing—
Pull Through—
Volume10
Mix0.8%
Spread
-0.189%Below
Fees
$752Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 1,138 | 87.8% | +0.358%Above | $1,132Fees | ||||
Refinance | 158 | 12.2% | +0.488%Above | $876Fees |
Purchase
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume1,138
Mix87.8%
Spread
+0.358%Above
Fees
$1,132Fees
Refinance
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume158
Mix12.2%
Spread
+0.488%Above
Fees
$876Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
1,296
Applications
1,660
Volume
$309 million
Pricing & Closing
Avg Rate Spread
+0.378%
vs. market APOR
Avg Net Fees
$1,093
Origination − Credits
Pullthrough Rate
78.1%
Applications → Closed
Typical Borrower
Avg Loan Amount
$239,136
Avg Borrower Income
$117,596
Avg Property Value
$315,185
Geographic Coverage
Geographic Performance
Metro Areas
15
markets with activity
States Served
9
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
9Full-year 2024 · HMDALoans originated
< 1010–5050–100100+None
Northeast1
PA
Midwest3
INMIOH
South5
FLKYNCSCWV
Top Metro Areas by Place Specialization Score
Showing 10 of 15 metro areas
Top States 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.