What loan types does Saco & Biddeford Savings Institution offer?

Saco & Biddeford Savings Institution offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing score and performance metrics.

Where does Saco & Biddeford Savings Institution offer mortgages?

Saco & Biddeford Savings Institution offers mortgages in 1 states: ME.

How competitive are Saco & Biddeford Savings Institution's mortgage rates?

Saco & Biddeford Savings Institution has an overall pricing score of 45.1/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Saco & Biddeford Savings Institution?

Saco & Biddeford Savings Institution is a Bank headquartered in Saco, ME.

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Saco & Biddeford Savings Institution

Bank•Saco, MEHQ•Direct & Wholesale•Reviews near you on Google

Saco & Biddeford Savings Institution has 110 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

Sound

3/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Strong

4/5

Conventional · Jumbo

Place

Exceptional

5/5

Single State · 1 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Explore another lender or local market

Report Card

Saco & Biddeford Savings Institution performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Sound

+25.8 bps above market avg

3/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

92 loans · 0.32% above market

Sound

Top 60% of lenders

3/5

Jumbo

18 loans · 0.05% below market

Strong

Top 40% of lenders

4/5

By Loan Purpose· Transaction purpose mix

Purchase

107 loans · 0.25% above market

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

Single State · 1 markets

Exceptional

Top 20% of lenders

5/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Sound	Sound	Acceptable	92	83.6%	+0.320%Above	$1,454Fees
Jumbo Loans	Strong	Strong	—	Strong	18	16.4%	-0.054%Below	$1,288Fees

Conventional

Overall

Sound

Product

Sound

Pricing

Sound

Pull Through

Acceptable

Volume92

Mix83.6%

Spread

+0.320%Above

Fees

$1,454Fees

Jumbo Loans

Overall

Strong

Product

Strong

Pricing—

Pull Through

Strong

Volume18

Mix16.4%

Spread

-0.054%Below

Fees

$1,288Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Sound	Sound	Sound	107	97.3%	+0.254%Above	$1,431Fees

Purchase

Overall

Sound

Product

Sound

Pricing

Sound

Pull Through

Sound

Volume107

Mix97.3%

Spread

+0.254%Above

Fees

$1,431Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

110

Applications

185

Volume

$58 million

Pricing & Closing

Avg Rate Spread

+0.258%

vs. market APOR

Avg Net Fees

$1,426

Origination − Credits

Pullthrough Rate

59.5%

Applications → Closed

Typical Borrower

Avg Loan Amount

$531,818

Avg Borrower Income

$288,682

Avg Property Value

$714,727

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Exceptional

5/5

States with Loan Originations

1Full-year 2024 · HMDA

Loans originated

< 100100+None

Northeast1

Top Metro Areas by Place Specialization Score

Portland, MEMetro

Volume 104Mix 94.55% of portfolio

84/100

Exceptional

Top States by Place Specialization Score

MaineState

Volume 110Mix 100.00% of portfolio

76/100

Strong

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.