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Providence Bank & Trust

Bank•South Holland, ILHQ•Direct•Reviews near you on Google

Providence Bank & Trust has 46 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
Strong
4/5
vs. all lenders
Pull-through
Acceptable
2/5
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

What They Do Well

  • Competitive pricing compared to the market
  • Lower than average lender fees

Things to Think About

  • Pull through efficiency is below industry average

Explore another lender or local market

Report Card

Providence Bank & Trust performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
+21.2 bps above market avg
4/5
Pull Through
Closing strength
Acceptable
Bottom 40% of lenders
2/5
By Loan Product· Specialization by type
Conventional
46 loans · 0.21% above market
Acceptable
Bottom 40% of lenders
2/5
By Loan Purpose· Transaction purpose mix
Purchase
41 loans · 0.22% 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
Sound
Product
Acceptable
Pricing
Strong
Pull Through
Acceptable
Volume46
Mix100.0%
Spread
+0.212%Above
Fees
$521Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Acceptable
Pricing
Strong
Pull Through
Acceptable
Volume41
Mix89.1%
Spread
+0.224%Above
Fees
$524Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
46
Applications
84
Volume
$12 million
Pricing & Closing
Avg Rate Spread
+0.212%
vs. market APOR
Avg Net Fees
$521
Origination − Credits
Pullthrough Rate
54.8%
Applications → Closed
Typical Borrower
Avg Loan Amount
$273,696
Avg Borrower Income
$153,413
Avg Property Value
$481,739

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
Midwest3
ILINMI
South2
FLTN

Top Metro Areas by Place Specialization Score

1© Richie Diesterheft from Chicago, IL, USA · CC BY 2.0
Lake County, INMetro
Volume 29Mix 63.04% of portfolio
68/100
Strong
2© John Picken; derivative by Georgfotoart · CC BY 2.0
Chicago, ILMetro
Volume 11Mix 23.91% of portfolio
47/100
Sound

Top States by Place Specialization Score

Indiana
Indiana
1
IndianaState
Volume 29Mix 63.04% of portfolio
57/100
Sound
Illinois
Illinois
2
IllinoisState
Volume 14Mix 30.43% of portfolio
48/100
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.