Sabine State Bank and Trust Company has 88 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Acceptable
2/5
vs. all lenders
Pull-through
Acceptable
2/5
closing strength
Product
Strong
4/5
FHA · Conventional · USDA
Place
Sound
3/5
Regional · 1 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Summary
Things to Think About
- Rates typically 62 basis points above market average
- Pull through efficiency is below industry average
Explore another lender or local market
Report Card
Sabine State Bank and Trust Company performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+62.2 bps above market avg
2/5
Pull Through
Closing strength
Acceptable
Bottom 40% of lenders
2/5
By Loan Product· Specialization by type
Conventional
38 loans · 0.77% above market
Acceptable
Bottom 40% of lenders
2/5
FHA
24 loans · 0.46% above market
Sound
Top 60% of lenders
3/5
USDA
24 loans · 0.68% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
75 loans · 0.61% above market
Sound
Top 60% of lenders
3/5
Refinance
13 loans · 0.69% 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
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 38 | 43.2% | +0.765%Above | $2,317Fees | ||||
FHA Loans | 24 | 27.3% | +0.462%Above | $2,501Fees | ||||
USDA Loans | — | 24 | 27.3% | +0.682%Above | $1,645Fees |
Conventional
OverallMediocre
ProductAcceptable
PricingMediocre
Pull ThroughMediocre
Volume38
Mix43.2%
Spread
+0.765%Above
Fees
$2,317Fees
FHA Loans
OverallSound
ProductSound
PricingSound
Pull ThroughSound
Volume24
Mix27.3%
Spread
+0.462%Above
Fees
$2,501Fees
USDA Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughStrong
Volume24
Mix27.3%
Spread
+0.682%Above
Fees
$1,645Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 75 | 85.2% | +0.607%Above | $2,330Fees | ||||
Refinance | — | 13 | 14.8% | +0.689%Above | $2,186Fees |
Purchase
OverallAcceptable
ProductSound
PricingAcceptable
Pull ThroughAcceptable
Volume75
Mix85.2%
Spread
+0.607%Above
Fees
$2,330Fees
Refinance
OverallAcceptable
ProductAcceptable
Pricing—
Pull ThroughAcceptable
Volume13
Mix14.8%
Spread
+0.689%Above
Fees
$2,186Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
88
Applications
173
Volume
$17 million
Pricing & Closing
Avg Rate Spread
+0.622%
vs. market APOR
Avg Net Fees
$2,303
Origination − Credits
Pullthrough Rate
50.9%
Applications → Closed
Typical Borrower
Avg Loan Amount
$203,182
Avg Borrower Income
$117,511
Avg Property Value
$246,818
Geographic Coverage
Geographic Performance
Metro Areas
1
markets with activity
States Served
4
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
4Full-year 2024 · HMDALoans originated
< 1010+None
South4
GALAOKTX
Top Metro Areas 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.