We analyzed every closed loan from Carrollton Bank — 702 loans across 899 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
Exceptional
5/5
Multi-Region · 2 mkts
Awards
Conventional
Superstar
FHA
Superstar
VA
Superstar
Purchase
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 and Jumbo loans
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Report Card
Carrollton Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
+16.3 bps above market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
FHA
Strong
Top 40% of lenders
VA
Strong
Top 40% of lenders
Jumbo
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 3 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 | 571 | 81.3% | +0.172%Above | $793Fees | ||||
FHA Loans | 67 | 9.5% | +0.412%Above | $1,131Fees | ||||
VA Loans | 39 | 5.6% | -0.389%Below | $784Fees | ||||
Jumbo Loans | — | 19 | 2.7% | +0.102%Above | $789Fees |
Conventional
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume571
Mix81.3%
Spread
+0.172%Above
Fees
$793Fees
FHA Loans
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume67
Mix9.5%
Spread
+0.412%Above
Fees
$1,131Fees
VA Loans
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume39
Mix5.6%
Spread
-0.389%Below
Fees
$784Fees
Jumbo Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughStrong
Volume19
Mix2.7%
Spread
+0.102%Above
Fees
$789Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 649 | 92.5% | +0.167%Above | $842Fees | ||||
Refinance | 53 | 7.5% | +0.123%Above | $560Fees |
Purchase
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume649
Mix92.5%
Spread
+0.167%Above
Fees
$842Fees
Refinance
OverallSound
ProductSound
PricingStrong
Pull ThroughSound
Volume53
Mix7.5%
Spread
+0.123%Above
Fees
$560Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
702
Applications
899
Volume
$174 million
Pricing & Closing
Avg Rate Spread
+0.163%
vs. market APOR
Avg Net Fees
$816
Origination − Credits
Pullthrough Rate
78.1%
Applications → Closed
Typical Borrower
Avg Loan Amount
$248,561
Avg Borrower Income
$165,152
Avg Property Value
$327,821
Geographic Coverage
Geographic Performance
Metro Areas
2
markets with activity
States Served
11
of 50 states + DC
Avg Place Specialization
Exceptional
5/5
States with Loan Originations
11Midwest3
ILINMO
South6
FLMSOKTNTXVA
West2
AZCO
Top Metro Areas by Place Specialization Score
Volume 589Mix 83.90% of portfolio
93/100
Exceptional
Volume 56Mix 7.98% of portfolio
68/100
StrongTop States by Place Specialization Score
1
IllinoisState
Volume 365Mix 51.99% of portfolio
78/100
Strong2
MissouriState
Volume 323Mix 46.01% of portfolio
76/100
StrongHow 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.