We analyzed every closed loan from The State Bank and Trust Company — 820 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
Place
Strong
4/5
Multi-Region · 6 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Superstar
FHA
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 Jumbo loans
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Report Card
The State Bank and Trust Company performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
+9.1 bps above market avg
4/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
750 loans · 0.07% above market
Strong
Top 40% of lenders
4/5
FHA
42 loans · 0.56% above market
Sound
Top 60% of lenders
3/5
VA
12 loans · 0.13% below market
Acceptable
Bottom 40% of lenders
2/5
Jumbo
12 loans · 0.10% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
734 loans · 0.10% above market
Strong
Top 40% of lenders
4/5
Refinance
86 loans · 0.02% above market
Sound
Top 60% of lenders
3/5
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 | 750 | 91.5% | +0.071%Above | $1,259Fees | ||||
FHA Loans | 42 | 5.1% | +0.564%Above | $1,131Fees | ||||
VA Loans | — | — | 12 | 1.5% | -0.128%Below | $1,321Fees | ||
Jumbo Loans | — | — | 12 | 1.5% | +0.105%Above | $1,047Fees |
Conventional
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume750
Mix91.5%
Spread
+0.071%Above
Fees
$1,259Fees
FHA Loans
OverallStrong
ProductSound
PricingStrong
Pull ThroughStrong
Volume42
Mix5.1%
Spread
+0.564%Above
Fees
$1,131Fees
VA Loans
OverallAcceptable
ProductAcceptable
Pricing—
Pull Through—
Volume12
Mix1.5%
Spread
-0.128%Below
Fees
$1,321Fees
Jumbo Loans
OverallStrong
ProductStrong
Pricing—
Pull Through—
Volume12
Mix1.5%
Spread
+0.105%Above
Fees
$1,047Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 734 | 89.5% | +0.099%Above | $1,299Fees | ||||
Refinance | 86 | 10.5% | +0.022%Above | $894Fees |
Purchase
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume734
Mix89.5%
Spread
+0.099%Above
Fees
$1,299Fees
Refinance
OverallStrong
ProductSound
PricingExceptional
Pull ThroughSound
Volume86
Mix10.5%
Spread
+0.022%Above
Fees
$894Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
820
Applications
1,018
Volume
$241 million
Pricing & Closing
Avg Rate Spread
+0.091%
vs. market APOR
Avg Net Fees
$1,253
Origination − Credits
Pullthrough Rate
80.6%
Applications → Closed
Typical Borrower
Avg Loan Amount
$294,549
Avg Borrower Income
$147,493
Avg Property Value
$378,049
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
< 1010–200200+None
Northeast2
CTRI
Midwest3
INMIOH
South7
ALFLGAKYNCSCTN
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.