We analyzed every closed loan from South Central Bank — 472 loans across 681 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Strong
4/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA · USDA
Place
Strong
4/5
Multi-Region · 5 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Superstar
FHA
Superstar
VA
Superstar
Purchase
Superstar
Refinance
Superstar
Summary
What They Do Well
- Competitive pricing compared to the market
- Lower than average lender fees
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and USDA loans
Explore another lender or local market
Report Card
South Central Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
+19.4 bps above market avg
4/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
307 loans · 0.24% above market
Strong
Top 40% of lenders
4/5
FHA
100 loans · 0.28% above market
Strong
Top 40% of lenders
4/5
VA
43 loans · 0.35% below market
Strong
Top 40% of lenders
4/5
USDA
20 loans · 0.20% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
356 loans · 0.15% above market
Strong
Top 40% of lenders
4/5
Refinance
116 loans · 0.30% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 6 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 | 307 | 65.0% | +0.239%Above | $1,162Fees | ||||
FHA Loans | 100 | 21.2% | +0.280%Above | $1,613Fees | ||||
VA Loans | 43 | 9.1% | -0.355%Below | $682Fees | ||||
USDA Loans | — | 20 | 4.2% | +0.203%Above | $997Fees |
Conventional
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume307
Mix65.0%
Spread
+0.239%Above
Fees
$1,162Fees
FHA Loans
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume100
Mix21.2%
Spread
+0.280%Above
Fees
$1,613Fees
VA Loans
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume43
Mix9.1%
Spread
-0.355%Below
Fees
$682Fees
USDA Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughStrong
Volume20
Mix4.2%
Spread
+0.203%Above
Fees
$997Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 356 | 75.4% | +0.151%Above | $1,187Fees | ||||
Refinance | 116 | 24.6% | +0.305%Above | $1,183Fees |
Purchase
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume356
Mix75.4%
Spread
+0.151%Above
Fees
$1,187Fees
Refinance
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume116
Mix24.6%
Spread
+0.305%Above
Fees
$1,183Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
472
Applications
681
Volume
$116 million
Pricing & Closing
Avg Rate Spread
+0.194%
vs. market APOR
Avg Net Fees
$1,186
Origination − Credits
Pullthrough Rate
69.3%
Applications → Closed
Typical Borrower
Avg Loan Amount
$246,907
Avg Borrower Income
$119,326
Avg Property Value
$334,407
Geographic Coverage
Geographic Performance
Metro Areas
5
markets with activity
States Served
7
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
7Full-year 2024 · HMDALoans originated
All statesNone
Midwest1
IN
South5
FLGAKYNCTN
West1
OR
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.