We analyzed every closed loan from Towne Bank — 3.6k loans across 5k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Acceptable
2/5
vs. all lenders
Pull-through
Exceptional
5/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · Jumbo · USDA
Place
Strong
4/5
Multi-Region · 23 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Superstar
FHA
Superstar
VA
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
Things to Think About
- Pricing may be below industry average
Explore another lender or local market
Report Card
Towne Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+19.9 bps above market avg
2/5
Pull Through
Closing strength
Exceptional
Top 20% of lenders
5/5
By Loan Product· Specialization by type
Conventional
2,207 loans · 0.25% above market
Strong
Top 40% of lenders
4/5
FHA
730 loans · 0.35% above market
Exceptional
Top 20% of lenders
5/5
VA
515 loans · 0.34% below market
Exceptional
Top 20% of lenders
5/5
Jumbo
90 loans · 0.40% above market
Exceptional
Top 20% of lenders
5/5
USDA
43 loans · 0.00% above market
Exceptional
Top 20% of lenders
5/5
By Loan Purpose· Transaction purpose mix
Purchase
3,320 loans · 0.21% above market
Exceptional
Top 20% of lenders
5/5
Refinance
265 loans · 0.13% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 24 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 | 2,207 | 61.6% | +0.249%Above | $3,137Fees | ||||
FHA Loans | 730 | 20.4% | +0.352%Above | $2,758Fees | ||||
VA Loans | 515 | 14.4% | -0.342%Below | $2,774Fees | ||||
Jumbo Loans | 90 | 2.5% | +0.396%Above | $3,332Fees | ||||
USDA Loans | — | 43 | 1.2% | +0.001%Above | $3,307Fees |
Conventional
OverallStrong
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume2,207
Mix61.6%
Spread
+0.249%Above
Fees
$3,137Fees
FHA Loans
OverallStrong
ProductExceptional
PricingSound
Pull ThroughExceptional
Volume730
Mix20.4%
Spread
+0.352%Above
Fees
$2,758Fees
VA Loans
OverallStrong
ProductExceptional
PricingSound
Pull ThroughExceptional
Volume515
Mix14.4%
Spread
-0.342%Below
Fees
$2,774Fees
Jumbo Loans
OverallSound
ProductExceptional
PricingAcceptable
Pull ThroughStrong
Volume90
Mix2.5%
Spread
+0.396%Above
Fees
$3,332Fees
USDA Loans
OverallExceptional
ProductExceptional
Pricing—
Pull ThroughExceptional
Volume43
Mix1.2%
Spread
+0.001%Above
Fees
$3,307Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 3,320 | 92.6% | +0.206%Above | $3,011Fees | ||||
Refinance | 265 | 7.4% | +0.130%Above | $3,141Fees |
Purchase
OverallStrong
ProductExceptional
PricingAcceptable
Pull ThroughStrong
Volume3,320
Mix92.6%
Spread
+0.206%Above
Fees
$3,011Fees
Refinance
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume265
Mix7.4%
Spread
+0.130%Above
Fees
$3,141Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
3,585
Applications
4,619
Volume
$1 billion
Pricing & Closing
Avg Rate Spread
+0.199%
vs. market APOR
Avg Net Fees
$3,024
Origination − Credits
Pullthrough Rate
77.6%
Applications → Closed
Typical Borrower
Avg Loan Amount
$405,139
Avg Borrower Income
$162,268
Avg Property Value
$511,828
Geographic Coverage
Geographic Performance
Metro Areas
23
markets with activity
States Served
19
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
19Full-year 2024 · HMDALoans originated
< 2020–5050–100100+None
Northeast1
PA
Midwest2
ILOH
South15
ALDCDEFLGAKYLAMDMSNCSCTNTXVAWV
West1
CO
Top Metro Areas by Place Specialization Score
Showing 10 of 23 metro areas
Top States by Place Specialization Score
Showing 10 of 14 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.