What loan types does The Friendship State Bank offer?

The Friendship State Bank offers the following mortgage loan types: Conventional. Each product has its own pricing score and performance metrics.

Where does The Friendship State Bank offer mortgages?

The Friendship State Bank offers mortgages in 4 states: AL, IN, KY, OH.

How competitive are The Friendship State Bank's mortgage rates?

The Friendship State Bank has an overall pricing score of 19.8/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is The Friendship State Bank?

The Friendship State Bank is a Bank headquartered in Friendship, IN.

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The Friendship State Bank

Bank•Friendship, INHQ•Direct•Reviews near you on Google

The Friendship State Bank has 103 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Mediocre

1/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Acceptable

2/5

Conventional

Place

Strong

4/5

Regional · 1 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Summary

Things to Think About

Pricing may be below industry average

Explore another lender or local market

Report Card

The Friendship State Bank performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Mediocre

+23.9 bps above market avg

1/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

102 loans · 0.24% above market

Acceptable

Bottom 40% of lenders

2/5

By Loan Purpose· Transaction purpose mix

Purchase

60 loans · 0.17% above market

Acceptable

Bottom 40% of lenders

2/5

Refinance

43 loans · 0.34% above market

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

Regional · 2 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	Acceptable	Acceptable	Mediocre	Sound	102	99.0%	+0.240%Above	$823Fees

Conventional

Overall

Acceptable

Product

Acceptable

Pricing

Mediocre

Pull Through

Sound

Volume102

Mix99.0%

Spread

+0.240%Above

Fees

$823Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Acceptable	Acceptable	Acceptable	Acceptable	60	58.3%	+0.167%Above	$889Fees
Refinance	Acceptable	Sound	Mediocre	Sound	43	41.7%	+0.341%Above	$725Fees

Purchase

Overall

Acceptable

Product

Acceptable

Pricing

Acceptable

Pull Through

Acceptable

Volume60

Mix58.3%

Spread

+0.167%Above

Fees

$889Fees

Refinance

Overall

Acceptable

Product

Sound

Pricing

Mediocre

Pull Through

Sound

Volume43

Mix41.7%

Spread

+0.341%Above

Fees

$725Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

103

Applications

137

Volume

$22 million

Pricing & Closing

Avg Rate Spread

+0.239%

vs. market APOR

Avg Net Fees

$822

Origination − Credits

Pullthrough Rate

75.2%

Applications → Closed

Typical Borrower

Avg Loan Amount

$215,000

Avg Borrower Income

$127,068

Avg Property Value

$335,392

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

4Full-year 2024 · HMDA

Loans originated

All statesNone

Midwest2

INOH

South2

ALKY

Top Metro Areas by Place Specialization Score

Cincinnati, OHMetro

Volume 41Mix 39.81% of portfolio

65/100

Strong

Top States by Place Specialization Score

IndianaState

Volume 100Mix 97.09% of portfolio

68/100

Strong

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.