We analyzed every closed loan from Bangor Savings Bank — 1.3k loans across 2k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Exceptional
5/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · Jumbo · USDA
Place
Strong
4/5
Multi-Region · 6 mkts
Awards
Conventional
Champion
USDA
Champion
FHA
Superstar
VA
Superstar
Jumbo
Superstar
Purchase
Superstar
Refinance
Superstar
Summary
What They Do Well
- Offers rates 9.90 basis points below market average
- Lower than average lender fees
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and Jumbo and USDA loans
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Report Card
Bangor Savings Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
Rates 9.9 bps below market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Exceptional
Top 20% of lenders
FHA
Strong
Top 40% of lenders
VA
Strong
Top 40% of lenders
Jumbo
Strong
Top 40% of lenders
USDA
Exceptional
Top 20% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Exceptional
Top 20% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 7 markets
Strong
Top 40% of lenders
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 1,112 | 83.0% | -0.089%Below | $1,278Fees | ||||
FHA Loans | 89 | 6.6% | +0.000%Above | $1,299Fees | ||||
VA Loans | 25 | 1.9% | -0.557%Below | $1,643Fees | ||||
Jumbo Loans | 44 | 3.3% | +0.297%Above | $542Fees | ||||
USDA Loans | 70 | 5.2% | -0.426%Below | $1,151Fees |
Conventional
OverallStrong
ProductExceptional
PricingExceptional
Pull ThroughStrong
Volume1,112
Mix83.0%
Spread
-0.089%Below
Fees
$1,278Fees
FHA Loans
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughStrong
Volume89
Mix6.6%
Spread
+0.000%Above
Fees
$1,299Fees
VA Loans
OverallStrong
ProductStrong
PricingStrong
Pull ThroughSound
Volume25
Mix1.9%
Spread
-0.557%Below
Fees
$1,643Fees
Jumbo Loans
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume44
Mix3.3%
Spread
+0.297%Above
Fees
$542Fees
USDA Loans
OverallExceptional
ProductExceptional
PricingExceptional
Pull ThroughStrong
Volume70
Mix5.2%
Spread
-0.426%Below
Fees
$1,151Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 1,182 | 88.2% | -0.052%Below | $1,255Fees | ||||
Refinance | 158 | 11.8% | -0.432%Below | $1,352Fees |
Purchase
OverallStrong
ProductExceptional
PricingExceptional
Pull ThroughStrong
Volume1,182
Mix88.2%
Spread
-0.052%Below
Fees
$1,255Fees
Refinance
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughStrong
Volume158
Mix11.8%
Spread
-0.432%Below
Fees
$1,352Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
1,340
Applications
1,802
Volume
$460 million
Pricing & Closing
Avg Rate Spread
-0.099%
vs. market APOR
Avg Net Fees
$1,267
Origination − Credits
Pullthrough Rate
74.4%
Applications → Closed
Typical Borrower
Avg Loan Amount
$343,746
Avg Borrower Income
$146,383
Avg Property Value
$465,381
Geographic Coverage
Geographic Performance
Metro Areas
6
markets with activity
States Served
7
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
7Northeast5
CTMEMANHVT
South2
FLNC
Top Metro Areas by Place Specialization Score
Volume 462Mix 34.48% of portfolio
100/100
Exceptional
Volume 224Mix 16.72% of portfolio
100/100
Exceptional
Volume 61Mix 4.55% of portfolio
81/100
Exceptional
Volume 41Mix 3.06% of portfolio
63/100
Strong
Volume 26Mix 1.94% of portfolio
57/100
Sound
Volume 24Mix 1.79% of portfolio
50/100
SoundTop States by Place Specialization Score
1
MaineState
Volume 1,178Mix 87.91% of portfolio
100/100
Exceptional2
New HampshireState
Volume 110Mix 8.21% of portfolio
71/100
Strong3
MassachusettsState
Volume 32Mix 2.39% of portfolio
50/100
Sound4
FloridaState
Volume 12Mix 0.90% of portfolio
34/100
AcceptableHow We Rank Lenders
Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.
Our Point System (Max 30 Points)
10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 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.