We analyzed every closed loan from The Central Trust Bank — 4.3k loans across 6k 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
Strong
4/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · Jumbo · USDA
Place
Sound
3/5
National · 27 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Superstar
FHA
Superstar
VA
Superstar
Jumbo
Superstar
USDA
Superstar
Purchase
Superstar
Refinance
Superstar
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and Jumbo and USDA loans
- Nationwide availability with consistent service
Explore another lender or local market
Report Card
The Central Trust Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+25.9 bps above market avg
3/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
3,264 loans · 0.28% above market
Exceptional
Top 20% of lenders
5/5
FHA
535 loans · 0.53% above market
Exceptional
Top 20% of lenders
5/5
VA
327 loans · 0.31% below market
Strong
Top 40% of lenders
4/5
Jumbo
142 loans · 0.11% below market
Exceptional
Top 20% of lenders
5/5
USDA
79 loans · 0.39% above market
Exceptional
Top 20% of lenders
5/5
By Loan Purpose· Transaction purpose mix
Purchase
3,844 loans · 0.26% above market
Exceptional
Top 20% of lenders
5/5
Refinance
503 loans · 0.28% above market
Exceptional
Top 20% of lenders
5/5
By Location· Geographic coverage
Geographic Reach
National · 28 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 | 3,264 | 75.1% | +0.284%Above | $1,245Fees | ||||
FHA Loans | 535 | 12.3% | +0.528%Above | $1,685Fees | ||||
VA Loans | 327 | 7.5% | -0.311%Below | $1,855Fees | ||||
Jumbo Loans | 142 | 3.3% | -0.107%Below | $1,322Fees | ||||
USDA Loans | 79 | 1.8% | +0.385%Above | $1,672Fees |
Conventional
OverallStrong
ProductExceptional
PricingSound
Pull ThroughStrong
Volume3,264
Mix75.1%
Spread
+0.284%Above
Fees
$1,245Fees
FHA Loans
OverallStrong
ProductExceptional
PricingSound
Pull ThroughStrong
Volume535
Mix12.3%
Spread
+0.528%Above
Fees
$1,685Fees
VA Loans
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume327
Mix7.5%
Spread
-0.311%Below
Fees
$1,855Fees
Jumbo Loans
OverallStrong
ProductExceptional
PricingSound
Pull ThroughStrong
Volume142
Mix3.3%
Spread
-0.107%Below
Fees
$1,322Fees
USDA Loans
OverallStrong
ProductExceptional
PricingSound
Pull ThroughStrong
Volume79
Mix1.8%
Spread
+0.385%Above
Fees
$1,672Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 3,844 | 88.4% | +0.257%Above | $1,338Fees | ||||
Refinance | 503 | 11.6% | +0.276%Above | $1,369Fees |
Purchase
OverallStrong
ProductExceptional
PricingSound
Pull ThroughStrong
Volume3,844
Mix88.4%
Spread
+0.257%Above
Fees
$1,338Fees
Refinance
OverallStrong
ProductExceptional
PricingSound
Pull ThroughStrong
Volume503
Mix11.6%
Spread
+0.276%Above
Fees
$1,369Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
4,347
Applications
6,180
Volume
$1 billion
Pricing & Closing
Avg Rate Spread
+0.259%
vs. market APOR
Avg Net Fees
$1,342
Origination − Credits
Pullthrough Rate
70.3%
Applications → Closed
Typical Borrower
Avg Loan Amount
$328,625
Avg Borrower Income
$141,803
Avg Property Value
$436,879
Geographic Coverage
Geographic Performance
Metro Areas
27
markets with activity
States Served
46
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
46Full-year 2024 · HMDALoans originated
< 1010–5050–100100+None
Northeast7
CTMENHNJPARIVT
Midwest11
IAILINKSMIMNMONDNEOHWI
South16
ALARDCDEFLGAKYLAMSNCOKSCTNTXVAWV
West12
AKAZCACOHIIDMTNMNVORUTWA
Top Metro Areas by Place Specialization Score
Showing 10 of 27 metro areas
Top States by Place Specialization Score
Showing 10 of 22 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.