We analyzed every closed loan from Presidential Bank — 2.3k loans across 3k 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 · USDA
Place
Sound
3/5
National · 26 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
FHA
Superstar
VA
Superstar
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and USDA loans
- Nationwide availability with consistent service
Things to Think About
- Pricing may be below industry average
Explore another lender or local market
Report Card
Presidential Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+33.9 bps above market avg
2/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
1,181 loans · 0.37% above market
Strong
Top 40% of lenders
4/5
FHA
544 loans · 0.64% above market
Strong
Top 40% of lenders
4/5
VA
482 loans · 0.26% below market
Strong
Top 40% of lenders
4/5
Jumbo
29 loans · 0.33% above market
Sound
Top 60% of lenders
3/5
USDA
36 loans · 0.17% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
2,090 loans · 0.36% above market
Strong
Top 40% of lenders
4/5
Refinance
182 loans · 0.18% above market
Sound
Top 60% of lenders
3/5
By Location· Geographic coverage
Geographic Reach
National · 27 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 | 1,181 | 52.0% | +0.367%Above | $3,535Fees | ||||
FHA Loans | 544 | 23.9% | +0.636%Above | $3,494Fees | ||||
VA Loans | 482 | 21.2% | -0.256%Below | $2,674Fees | ||||
Jumbo Loans | — | 29 | 1.3% | +0.333%Above | $1,484Fees | |||
USDA Loans | — | 36 | 1.6% | +0.175%Above | $2,539Fees |
Conventional
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume1,181
Mix52.0%
Spread
+0.367%Above
Fees
$3,535Fees
FHA Loans
OverallStrong
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume544
Mix23.9%
Spread
+0.636%Above
Fees
$3,494Fees
VA Loans
OverallStrong
ProductStrong
PricingAcceptable
Pull ThroughExceptional
Volume482
Mix21.2%
Spread
-0.256%Below
Fees
$2,674Fees
Jumbo Loans
OverallSound
ProductSound
Pricing—
Pull ThroughAcceptable
Volume29
Mix1.3%
Spread
+0.333%Above
Fees
$1,484Fees
USDA Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughStrong
Volume36
Mix1.6%
Spread
+0.175%Above
Fees
$2,539Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 2,090 | 92.0% | +0.358%Above | $3,347Fees | ||||
Refinance | 182 | 8.0% | +0.176%Above | $3,623Fees |
Purchase
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume2,090
Mix92.0%
Spread
+0.358%Above
Fees
$3,347Fees
Refinance
OverallSound
ProductSound
PricingAcceptable
Pull ThroughStrong
Volume182
Mix8.0%
Spread
+0.176%Above
Fees
$3,623Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
2,272
Applications
2,797
Volume
$870 million
Pricing & Closing
Avg Rate Spread
+0.339%
vs. market APOR
Avg Net Fees
$3,377
Origination − Credits
Pullthrough Rate
81.2%
Applications → Closed
Typical Borrower
Avg Loan Amount
$383,024
Avg Borrower Income
$147,701
Avg Property Value
$477,276
Geographic Coverage
Geographic Performance
Metro Areas
26
markets with activity
States Served
41
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
41Full-year 2024 · HMDALoans originated
< 1010–2020–5050–200200+None
Northeast8
CTMEMANHNJNYPAVT
Midwest9
IAILINKSMIMNMONDOH
South16
ALARDCDEFLGAKYLAMDMSNCSCTNTXVAWV
West8
AZCAHIMTNMORUTWA
Top Metro Areas by Place Specialization Score
Showing 10 of 26 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.