We analyzed every closed loan from The Camden National Bank — 745 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
Strong
4/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA · Jumbo · USDA
Place
Strong
4/5
Multi-Region · 6 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Superstar
FHA
Superstar
VA
Superstar
Jumbo
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 Jumbo and USDA loans
Explore another lender or local market
Report Card
The Camden National Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
+9.4 bps above market avg
4/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
584 loans · 0.14% above market
Strong
Top 40% of lenders
4/5
FHA
49 loans · 0.17% below market
Strong
Top 40% of lenders
4/5
VA
26 loans · 0.82% below market
Strong
Top 40% of lenders
4/5
Jumbo
74 loans · 0.29% above market
Strong
Top 40% of lenders
4/5
USDA
12 loans · 0.51% below market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
647 loans · 0.10% above market
Strong
Top 40% of lenders
4/5
Refinance
98 loans · 0.04% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 7 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 | 584 | 78.4% | +0.145%Above | $1,030Fees | ||||
FHA Loans | 49 | 6.6% | -0.166%Below | $1,046Fees | ||||
VA Loans | 26 | 3.5% | -0.823%Below | $832Fees | ||||
Jumbo Loans | 74 | 9.9% | +0.286%Above | $648Fees | ||||
USDA Loans | — | 12 | 1.6% | -0.507%Below | $1,044Fees |
Conventional
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume584
Mix78.4%
Spread
+0.145%Above
Fees
$1,030Fees
FHA Loans
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughSound
Volume49
Mix6.6%
Spread
-0.166%Below
Fees
$1,046Fees
VA Loans
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughStrong
Volume26
Mix3.5%
Spread
-0.823%Below
Fees
$832Fees
Jumbo Loans
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume74
Mix9.9%
Spread
+0.286%Above
Fees
$648Fees
USDA Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughSound
Volume12
Mix1.6%
Spread
-0.507%Below
Fees
$1,044Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 647 | 86.8% | +0.103%Above | $1,036Fees | ||||
Refinance | 98 | 13.2% | +0.039%Above | $728Fees |
Purchase
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume647
Mix86.8%
Spread
+0.103%Above
Fees
$1,036Fees
Refinance
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume98
Mix13.2%
Spread
+0.039%Above
Fees
$728Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
745
Applications
1,023
Volume
$331 million
Pricing & Closing
Avg Rate Spread
+0.094%
vs. market APOR
Avg Net Fees
$992
Origination − Credits
Pullthrough Rate
72.8%
Applications → Closed
Typical Borrower
Avg Loan Amount
$445,591
Avg Borrower Income
$233,393
Avg Property Value
$655,591
Geographic Coverage
Geographic Performance
Metro Areas
6
markets with activity
States Served
12
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
12Full-year 2024 · HMDALoans originated
< 1010–2020–5050+None
Northeast6
MEMANHNJRIVT
South6
DEFLMDNCSCVA
Top Metro Areas by Place Specialization Score
Top States by Place Specialization Score
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.