We analyzed every closed loan from Stifel Bank and Trust — 2.6k loans across 3k 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
Exceptional
5/5
FHA · Conventional · VA · Jumbo
Place
Sound
3/5
National · 45 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
VA
Champion
Conventional
Superstar
FHA
Superstar
Jumbo
Superstar
Purchase
Superstar
Refinance
Superstar
Summary
What They Do Well
- Offers rates 7.50 basis points below market average
- Lower than average lender fees
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and Jumbo loans
- Nationwide availability with consistent service
Explore another lender or local market
Report Card
Stifel Bank and Trust performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
Rates 7.5 bps below market avg
4/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
2,160 loans · 0.08% below market
Strong
Top 40% of lenders
4/5
FHA
89 loans · 0.18% above market
Strong
Top 40% of lenders
4/5
VA
53 loans · 0.55% below market
Strong
Top 40% of lenders
4/5
Jumbo
326 loans · 0.05% below market
Exceptional
Top 20% of lenders
5/5
By Loan Purpose· Transaction purpose mix
Purchase
2,255 loans · 0.06% below market
Strong
Top 40% of lenders
4/5
Refinance
375 loans · 0.18% below market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
National · 46 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 | 2,160 | 82.1% | -0.077%Below | $448Fees | ||||
FHA Loans | 89 | 3.4% | +0.177%Above | $908Credit | ||||
VA Loans | 53 | 2.0% | -0.551%Below | $175Fees | ||||
Jumbo Loans | 326 | 12.4% | -0.050%Below | $485Fees |
Conventional
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume2,160
Mix82.1%
Spread
-0.077%Below
Fees
$448Fees
FHA Loans
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughStrong
Volume89
Mix3.4%
Spread
+0.177%Above
Fees
$908Credit
VA Loans
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughExceptional
Volume53
Mix2.0%
Spread
-0.551%Below
Fees
$175Fees
Jumbo Loans
OverallStrong
ProductExceptional
PricingStrong
Pull ThroughExceptional
Volume326
Mix12.4%
Spread
-0.050%Below
Fees
$485Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 2,255 | 85.7% | -0.059%Below | $407Fees | ||||
Refinance | 375 | 14.3% | -0.179%Below | $348Fees |
Purchase
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume2,255
Mix85.7%
Spread
-0.059%Below
Fees
$407Fees
Refinance
OverallStrong
ProductStrong
PricingStrong
Pull ThroughExceptional
Volume375
Mix14.3%
Spread
-0.179%Below
Fees
$348Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
2,630
Applications
2,966
Volume
$1 billion
Pricing & Closing
Avg Rate Spread
-0.075%
vs. market APOR
Avg Net Fees
$399
Origination − Credits
Pullthrough Rate
88.7%
Applications → Closed
Typical Borrower
Avg Loan Amount
$507,460
Avg Borrower Income
$298,179
Avg Property Value
$759,707
Geographic Coverage
Geographic Performance
Metro Areas
45
markets with activity
States Served
50
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
50Full-year 2024 · HMDALoans originated
< 2020–5050+None
Northeast9
CTMEMANHNJNYPARIVT
Midwest12
IAILINKSMIMNMONDNEOHSDWI
South17
ALARDCDEFLGAKYLAMDMSNCOKSCTNTXVAWV
West12
AZCACOHIIDMTNMNVORUTWAWY
Top Metro Areas by Place Specialization Score
Showing 10 of 45 metro areas
Top States by Place Specialization Score
Showing 10 of 37 states
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.