SmartBank has 346 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
FHA · Conventional · Jumbo
Place
Sound
3/5
Multi-Region · 6 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
FHA
Superstar
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Report Card
SmartBank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+23.4 bps above market avg
3/5
Pull Through
Closing strength
Sound
Top 60% of lenders
3/5
By Loan Product· Specialization by type
Conventional
250 loans · 0.24% above market
Sound
Top 60% of lenders
3/5
FHA
45 loans · 0.15% above market
Sound
Top 60% of lenders
3/5
Jumbo
35 loans · 0.61% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
285 loans · 0.23% above market
Sound
Top 60% of lenders
3/5
Refinance
61 loans · 0.25% above market
Sound
Top 60% of lenders
3/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 7 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 | 250 | 72.3% | +0.245%Above | $1,395Fees | ||||
FHA Loans | 45 | 13.0% | +0.148%Above | $1,111Fees | ||||
Jumbo Loans | — | 35 | 10.1% | +0.613%Above | $982Fees |
Conventional
OverallSound
ProductSound
PricingSound
Pull ThroughSound
Volume250
Mix72.3%
Spread
+0.245%Above
Fees
$1,395Fees
FHA Loans
OverallStrong
ProductSound
PricingExceptional
Pull ThroughSound
Volume45
Mix13.0%
Spread
+0.148%Above
Fees
$1,111Fees
Jumbo Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughStrong
Volume35
Mix10.1%
Spread
+0.613%Above
Fees
$982Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 285 | 82.4% | +0.231%Above | $1,351Fees | ||||
Refinance | 61 | 17.6% | +0.246%Above | $960Fees |
Purchase
OverallSound
ProductSound
PricingSound
Pull ThroughSound
Volume285
Mix82.4%
Spread
+0.231%Above
Fees
$1,351Fees
Refinance
OverallSound
ProductSound
PricingStrong
Pull ThroughSound
Volume61
Mix17.6%
Spread
+0.246%Above
Fees
$960Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
346
Applications
550
Volume
$143 million
Pricing & Closing
Avg Rate Spread
+0.234%
vs. market APOR
Avg Net Fees
$1,270
Origination − Credits
Pullthrough Rate
62.9%
Applications → Closed
Typical Borrower
Avg Loan Amount
$413,295
Avg Borrower Income
$259,699
Avg Property Value
$568,526
Geographic Coverage
Geographic Performance
Metro Areas
6
markets with activity
States Served
8
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
8Full-year 2024 · HMDALoans originated
< 2020–5050+None
South8
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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.