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PromiseOne Bank

Bank•Duluth, GAHQ•Wholesale•Reviews near you on Google

PromiseOne Bank has 92 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Mediocre
1/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Acceptable
2/5
Conventional
Place
Sound
3/5
Regional · 2 mkts
Promptness
Not enough data
—/5
No quote responses measured yet

Safe Rate Summary

Things to Think About

  • Rates typically 122 basis points above market average
  • Higher than average fees ($4,711)

Explore another lender or local market

Report Card

PromiseOne Bank performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Mediocre
+122.1 bps above market avg
1/5
Pull Through
Closing strength
Sound
Top 60% of lenders
3/5
By Loan Product· Specialization by type
Conventional
86 loans · 1.23% above market
Acceptable
Bottom 40% of lenders
2/5
By Loan Purpose· Transaction purpose mix
Purchase
88 loans · 1.22% above 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

Conventional
Overall
Acceptable
Product
Acceptable
Pricing
Mediocre
Pull Through
Sound
Volume86
Mix93.5%
Spread
+1.227%Above
Fees
$4,503Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Acceptable
Product
Acceptable
Pricing
Mediocre
Pull Through
Sound
Volume88
Mix95.7%
Spread
+1.221%Above
Fees
$4,665Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
92
Applications
101
Volume
$33 million
Pricing & Closing
Avg Rate Spread
+1.221%
vs. market APOR
Avg Net Fees
$4,711
Origination − Credits
Pullthrough Rate
91.1%
Applications → Closed
Typical Borrower
Avg Loan Amount
$366,413
Avg Borrower Income
$136,793
Avg Property Value
$585,761

Geographic Coverage

Geographic Performance

Metro Areas
2
markets with activity
States Served
5
of 50 states + DC
Avg Place Specialization
Sound
3/5

States with Loan Originations

5Full-year 2024 · HMDA
5 states with loan originations
Loans originated
< 1010+None
South5
FLGANCTNTX

Top Metro Areas by Place Specialization Score

1© Warren LeMay from Cincinnati, OH, United States · CC0
Atlanta, GAMetro
Volume 41Mix 44.57% of portfolio
62/100
Strong
2© Michael Barera · CC BY-SA 4.0
Dallas, TXMetro
Volume 11Mix 11.96% of portfolio
45/100
Sound

Top States by Place Specialization Score

Georgia
Georgia
1
GeorgiaState
Volume 60Mix 65.22% of portfolio
63/100
Strong
Texas
Texas
2
TexasState
Volume 14Mix 15.22% of portfolio
43/100
Sound
Florida
Florida
3
FloridaState
Volume 11Mix 11.96% of portfolio
40/100
Sound

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
Champion(80%+ = 40-50 points)
Superstar
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.