We analyzed every closed loan from Traditions Bank — 801 loans across 904 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
Exceptional
5/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA
Place
Strong
4/5
Multi-Region · 5 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 FHA and VA loans
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Report Card
Traditions Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
+19.8 bps above market avg
4/5
Pull Through
Closing strength
Exceptional
Top 20% of lenders
5/5
By Loan Product· Specialization by type
Conventional
673 loans · 0.21% above market
Strong
Top 40% of lenders
4/5
FHA
101 loans · 0.23% above market
Strong
Top 40% of lenders
4/5
VA
23 loans · 0.25% below market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
759 loans · 0.20% above market
Strong
Top 40% of lenders
4/5
Refinance
42 loans · 0.14% above market
Sound
Top 60% of lenders
3/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 6 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 | 673 | 84.0% | +0.208%Above | $1,809Fees | ||||
FHA Loans | 101 | 12.6% | +0.225%Above | $1,666Fees | ||||
VA Loans | — | 23 | 2.9% | -0.246%Below | $1,729Fees |
Conventional
OverallStrong
ProductStrong
PricingSound
Pull ThroughExceptional
Volume673
Mix84.0%
Spread
+0.208%Above
Fees
$1,809Fees
FHA Loans
OverallStrong
ProductStrong
PricingStrong
Pull ThroughExceptional
Volume101
Mix12.6%
Spread
+0.225%Above
Fees
$1,666Fees
VA Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughExceptional
Volume23
Mix2.9%
Spread
-0.246%Below
Fees
$1,729Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 759 | 94.8% | +0.202%Above | $1,767Fees | ||||
Refinance | 42 | 5.2% | +0.139%Above | $2,420Fees |
Purchase
OverallStrong
ProductStrong
PricingStrong
Pull ThroughExceptional
Volume759
Mix94.8%
Spread
+0.202%Above
Fees
$1,767Fees
Refinance
OverallStrong
ProductSound
PricingStrong
Pull ThroughStrong
Volume42
Mix5.2%
Spread
+0.139%Above
Fees
$2,420Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
801
Applications
904
Volume
$225 million
Pricing & Closing
Avg Rate Spread
+0.198%
vs. market APOR
Avg Net Fees
$1,805
Origination − Credits
Pullthrough Rate
88.6%
Applications → Closed
Typical Borrower
Avg Loan Amount
$280,943
Avg Borrower Income
$131,064
Avg Property Value
$357,060
Geographic Coverage
Geographic Performance
Metro Areas
5
markets with activity
States Served
11
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
11Full-year 2024 · HMDALoans originated
< 2020+None
Northeast3
NJNYPA
South8
DEFLKYMDSCTNVAWV
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.