We analyzed every closed loan from Community Bank — 2.4k loans across 3k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Sound
3/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Exceptional
5/5
Conventional · VA · Jumbo
Place
Strong
4/5
Regional · 14 mkts
Awards
Conventional
Superstar
Purchase
Superstar
Summary
What They Do Well
- Strong pull through performance
Explore another lender or local market
Report Card
Community Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+76.9 bps above market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Exceptional
Top 20% of lenders
VA
Sound
Top 60% of lenders
Jumbo
Sound
Top 60% 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
Regional · 15 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 | 2,347 | 98.9% | +0.773%Above | $376Fees | ||||
VA Loans | — | — | 11 | 0.5% | -0.188%Below | $127Fees | ||
Jumbo Loans | — | — | 10 | 0.4% | +0.210%Above | $533Fees |
Conventional
OverallStrong
ProductExceptional
PricingSound
Pull ThroughStrong
Volume2,347
Mix98.9%
Spread
+0.773%Above
Fees
$376Fees
VA Loans
OverallSound
ProductSound
Pricing—
Pull Through—
Volume11
Mix0.5%
Spread
-0.188%Below
Fees
$127Fees
Jumbo Loans
OverallSound
ProductSound
Pricing—
Pull Through—
Volume10
Mix0.4%
Spread
+0.210%Above
Fees
$533Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 2,112 | 89.0% | +0.757%Above | $415Fees | ||||
Refinance | 261 | 11.0% | +0.854%Above | $75Fees |
Purchase
OverallStrong
ProductExceptional
PricingSound
Pull ThroughStrong
Volume2,112
Mix89.0%
Spread
+0.757%Above
Fees
$415Fees
Refinance
OverallSound
ProductStrong
PricingMediocre
Pull ThroughStrong
Volume261
Mix11.0%
Spread
+0.854%Above
Fees
$75Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
2,373
Applications
3,166
Volume
$462 million
Pricing & Closing
Avg Rate Spread
+0.769%
vs. market APOR
Avg Net Fees
$375
Origination − Credits
Pullthrough Rate
75.0%
Applications → Closed
Typical Borrower
Avg Loan Amount
$195,093
Avg Borrower Income
$109,922
Avg Property Value
$246,879
Geographic Coverage
Geographic Performance
Metro Areas
14
markets with activity
States Served
5
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
5Northeast5
MANHNYPAVT
Top Metro Areas by Place Specialization Score
Volume 125Mix 5.27% of portfolio
87/100
Exceptional
Volume 186Mix 7.84% of portfolio
87/100
Exceptional
Volume 174Mix 7.33% of portfolio
77/100
Strong
Volume 43Mix 1.81% of portfolio
75/100
Strong
Volume 48Mix 2.02% of portfolio
74/100
Strong
Volume 134Mix 5.65% of portfolio
71/100
Strong
Volume 62Mix 2.61% of portfolio
71/100
Strong
Volume 169Mix 7.12% of portfolio
71/100
Strong
Volume 76Mix 3.20% of portfolio
62/100
Strong
Volume 40Mix 1.69% of portfolio
60/100
SoundShowing 10 of 14 metro areas
Top States by Place Specialization Score
1
New YorkState
Volume 1,928Mix 81.25% of portfolio
93/100
Exceptional2
VermontState
Volume 147Mix 6.19% of portfolio
75/100
Strong3
PennsylvaniaState
Volume 279Mix 11.76% of portfolio
72/100
Strong4
MassachusettsState
Volume 18Mix 0.76% of portfolio
43/100
SoundHow 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.