We analyzed every closed loan from Sandy Spring Bank — 823 loans across 1k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Sound
3/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA · Jumbo
Place
Exceptional
5/5
Multi-Region · 4 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
FHA
Superstar
VA
Superstar
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and Jumbo loans
Explore another lender or local market
Report Card
Sandy Spring Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+15.2 bps above market avg
3/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
603 loans · 0.18% above market
Strong
Top 40% of lenders
4/5
FHA
116 loans · 0.34% above market
Strong
Top 40% of lenders
4/5
VA
63 loans · 0.48% below market
Strong
Top 40% of lenders
4/5
Jumbo
38 loans · 0.19% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
752 loans · 0.15% above market
Strong
Top 40% of lenders
4/5
Refinance
71 loans · 0.13% above market
Sound
Top 60% of lenders
3/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 5 markets
Strong
Top 40% of lenders
4/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 603 | 73.3% | +0.176%Above | $1,883Fees | ||||
FHA Loans | 116 | 14.1% | +0.345%Above | $2,355Fees | ||||
VA Loans | 63 | 7.7% | -0.482%Below | $1,915Fees | ||||
Jumbo Loans | 38 | 4.6% | +0.187%Above | $1,562Fees |
Conventional
OverallSound
ProductStrong
PricingSound
Pull ThroughSound
Volume603
Mix73.3%
Spread
+0.176%Above
Fees
$1,883Fees
FHA Loans
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume116
Mix14.1%
Spread
+0.345%Above
Fees
$2,355Fees
VA Loans
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume63
Mix7.7%
Spread
-0.482%Below
Fees
$1,915Fees
Jumbo Loans
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughSound
Volume38
Mix4.6%
Spread
+0.187%Above
Fees
$1,562Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 752 | 91.4% | +0.154%Above | $1,909Fees | ||||
Refinance | 71 | 8.6% | +0.128%Above | $2,122Fees |
Purchase
OverallSound
ProductStrong
PricingSound
Pull ThroughSound
Volume752
Mix91.4%
Spread
+0.154%Above
Fees
$1,909Fees
Refinance
OverallSound
ProductSound
PricingSound
Pull ThroughSound
Volume71
Mix8.6%
Spread
+0.128%Above
Fees
$2,122Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
823
Applications
1,184
Volume
$404 million
Pricing & Closing
Avg Rate Spread
+0.152%
vs. market APOR
Avg Net Fees
$1,927
Origination − Credits
Pullthrough Rate
69.5%
Applications → Closed
Typical Borrower
Avg Loan Amount
$491,768
Avg Borrower Income
$195,248
Avg Property Value
$651,525
Geographic Coverage
Geographic Performance
Metro Areas
4
markets with activity
States Served
18
of 50 states + DC
Avg Place Specialization
Exceptional
5/5
States with Loan Originations
18Full-year 2024 · HMDALoans originated
< 1010–5050–200200+None
Northeast3
MANJPA
Midwest2
ILOH
South12
ALDCDEFLGAMDNCSCTNTXVAWV
West1
CO
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.