We analyzed every closed loan from TD Bank — 5.7k loans across 9k 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
Sound
3/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · Jumbo
Place
Strong
4/5
Multi-Region · 49 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Superstar
FHA
Superstar
Jumbo
Superstar
Purchase
Superstar
Summary
What They Do Well
- Particularly strong in Conventional and FHA and Jumbo loans
Explore another lender or local market
Report Card
TD Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+15.8 bps above market avg
3/5
Pull Through
Closing strength
Sound
Top 60% of lenders
3/5
By Loan Product· Specialization by type
Conventional
4,052 loans · 0.18% above market
Strong
Top 40% of lenders
4/5
FHA
87 loans · 0.69% above market
Strong
Top 40% of lenders
4/5
VA
17 loans · 0.01% above market
Sound
Top 60% of lenders
3/5
Jumbo
1,499 loans · 0.04% above market
Exceptional
Top 10% of lenders
5/5
By Loan Purpose· Transaction purpose mix
Purchase
4,904 loans · 0.11% above market
Exceptional
Top 20% of lenders
5/5
Refinance
751 loans · 0.43% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 50 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 | 4,052 | 71.7% | +0.179%Above | $758Fees | ||||
FHA Loans | 87 | 1.5% | +0.685%Above | $221Fees | ||||
VA Loans | — | 17 | 0.3% | +0.011%Above | $95Fees | |||
Jumbo Loans | 1,499 | 26.5% | +0.043%Above | $920Fees |
Conventional
OverallStrong
ProductStrong
PricingSound
Pull ThroughSound
Volume4,052
Mix71.7%
Spread
+0.179%Above
Fees
$758Fees
FHA Loans
OverallSound
ProductStrong
PricingStrong
Pull ThroughSound
Volume87
Mix1.5%
Spread
+0.685%Above
Fees
$221Fees
VA Loans
OverallAcceptable
ProductSound
Pricing—
Pull ThroughAcceptable
Volume17
Mix0.3%
Spread
+0.011%Above
Fees
$95Fees
Jumbo Loans
OverallStrong
ProductExceptional
PricingSound
Pull ThroughStrong
Volume1,499
Mix26.5%
Spread
+0.043%Above
Fees
$920Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 4,904 | 86.7% | +0.114%Above | $837Fees | ||||
Refinance | 751 | 13.3% | +0.431%Above | $434Fees |
Purchase
OverallStrong
ProductExceptional
PricingSound
Pull ThroughSound
Volume4,904
Mix86.7%
Spread
+0.114%Above
Fees
$837Fees
Refinance
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughSound
Volume751
Mix13.3%
Spread
+0.431%Above
Fees
$434Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
5,655
Applications
8,799
Volume
$3 billion
Pricing & Closing
Avg Rate Spread
+0.158%
vs. market APOR
Avg Net Fees
$781
Origination − Credits
Pullthrough Rate
64.3%
Applications → Closed
Typical Borrower
Avg Loan Amount
$694,680
Avg Borrower Income
$313,839
Avg Property Value
$991,198
Geographic Coverage
Geographic Performance
Metro Areas
49
markets with activity
States Served
16
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
16Full-year 2024 · HMDALoans originated
< 5050–200200–500500+None
Northeast9
CTMEMANHNJNYPARIVT
South7
DCDEFLMDNCSCVA
Top Metro Areas by Place Specialization Score
Showing 10 of 49 metro areas
Top States by Place Specialization Score
Showing 10 of 16 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.