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BNY Mellon, National Association
Bank|Pittsburgh, PA|Near-National
Loans Originated
266
Applications
343
Volume
$288 million
Offers loans directly to consumers
Overall Pricing
Strong
Overall Pull Through
Sound
Safe Rate Awards⭐Jumbo Superstar
Pricing and Pullthrough Overview
Average Rate Spread
-0.201%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$969
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
77.6%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Offers rates 20.10 basis points below market average
- Lower than average lender fees
- Nationwide availability with consistent service
Report Card
BNY Mellon, National Association performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Strong | Highly Competitive | |
Pull Through Closing Strength | Sound | Industry Standard | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Acceptable | Near industry average | |
Jumbo | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Sound | Industry Standard | |
Refinance | Acceptable | Near industry average | |
Places Geographic coverage | Sound | Near-National · 3 metro areas · 36 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$1,083,383
Average Borrower Income
$734,771
Average Property Value
$1,761,353
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Acceptable | Exceptional | Acceptable | 121 | 45.5% | -0.264% | $966 |
Jumbo Loans | Strong | Strong | Exceptional | Strong | 145 | 54.5% | -0.137% | $971 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Sound | Strong | Acceptable | 241 | 90.6% | -0.191% | $968 |
Refinance | Acceptable | Acceptable | N/A | Sound | 25 | 9.4% | -0.394% | $975 |
Geographic Coverage
Metro Areas
2
States Served
36
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
ALAZCACOCTDCFLGAHIIAIDILMAMDMEMIMNMTNCNHNJNMNYOHOKORPARISCTNTXUTVAWAWIWV
Top Metro Areas by Place Specialization Score
1
New York, NY-NJMSA
Volume: 26Mix: 9.77%
Place Specialization
Sound
2
Boston, MA, MAMSA
Volume: 15Mix: 5.64%
Place Specialization
Sound
Top States by Place Specialization Score
1
NYState
Volume: 31Mix: 11.65%
Place Specialization
Sound
2
MAState
Volume: 26Mix: 9.77%
Place Specialization
Sound
3
CAState
Volume: 24Mix: 9.02%
Place Specialization
Sound
4
FLState
Volume: 23Mix: 8.65%
Place Specialization
Sound
5
PAState
Volume: 15Mix: 5.64%
Place Specialization
Sound
6
COState
Volume: 13Mix: 4.89%
Place Specialization
Sound
7
GAState
Volume: 14Mix: 5.26%
Place Specialization
Sound
8
NJState
Volume: 12Mix: 4.51%
Place Specialization
Sound
9
NCState
Volume: 11Mix: 4.14%
Place Specialization
Acceptable
10
ILState
Volume: 10Mix: 3.76%
Place Specialization
Acceptable
Showing 10 of 11 states
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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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