P
Unclaimed

Providence Bank & Trust

Bank•South Holland, IL•Direct

Providence Bank Trust has 46 closed loans in our dataset — fully analyzed and benchmarked against peers across the 4 Ps of Mortgage Shopping.

Pricing
Strong
vs. all lenders
Pull Through
Acceptable
closing strength
Products
Acceptable
Conventional
Place
Sound
Regional · 2 mkts

Shopping for a Mortgage?

Save Providence Bank Trust or ask our AI assistant to explore your options.

Safe Rate's 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

CategoryScorevs. Peers
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
Highly Competitive
+21.2 bps above market avg
Pull Through
Closing strength
Acceptable
Near industry average
Bottom 40% of lenders
By Loan Product· Specialization by type
Conventional
Acceptable
Near industry average
Bottom 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Acceptable
Near industry average
Bottom 40% of lenders
By Location· Geographic coverage
Geographic Reach
Coverage footprint
Sound
Industry Standard
Top 60% of lenders
Regional2 markets

Loan Product Performance

Performance by Loan Product

Loan TypeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Conventional
Sound
Acceptable
Strong
Acceptable
46100.0%
+0.212%Above
$521Fees

Loan Purpose Performance

Performance by Loan Purpose

PurposeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Purchase
Sound
Acceptable
Strong
Acceptable
4189.1%
+0.224%Above
$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
States Served
5
We count Washington DC as a state
Avg Place Specialization
Sound

States with Loan Originations

FLILINMITN

Top Metro Areas by Place Specialization Score

1
Lake County, INMSA
Volume: 29Mix: 63.04%of portfolio
Place
Strong
2
Chicago, ILMSA
Volume: 11Mix: 23.91%of portfolio
Place
Sound

Top States by Place Specialization Score

1
INState
Volume: 29Mix: 63.04%of portfolio
Place
Sound
2
ILState
Volume: 14Mix: 30.43%of portfolio
Place
Sound

How We Rank Lenders

Our rankings use a weighted average of scores across equally-weighted categories to evaluate lenders on a linear, raw performance scale.

Our Point System (Max 30 Points)

10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 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.

Looking for a different lender?

Are you the owner of Providence Bank & Trust?

Claim this profile to add your business logo, highlight verified loan officers, collect verified reviews, and customize your marketing presence.

Claim this Profile
The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.
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.