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We analyzed every closed loan from Dollar Bank Federal Savings Bank — 1.4k loans across 2k applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.
Pricing
Sound
vs. all lenders
Pull Through
Strong
closing strength
Products
Exceptional
FHA · Conventional · VA · Jumbo
Place
Sound
Near-National · 11 mkts
Safe Rate Awards⭐Conventional Superstar⭐FHA Superstar
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Safe Rate's Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and Jumbo loans
- Nationwide availability with consistent service
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Report Card
Dollar Bank, Federal Savings Bank performance at a glance
| Category | Score | vs. Peers |
|---|---|---|
Overall Performance· Pricing & closing strength | ||
Pricing Rate competitiveness | Industry Standard +24.4 bps above market avg | |
Pull Through Closing strength | Highly Competitive Top 40% of lenders | |
By Loan Product· Specialization by type | ||
Conventional | Highly Competitive Top 40% of lenders | |
FHA | Highly Competitive Top 40% of lenders | |
VA | Near industry average Bottom 40% of lenders | |
Jumbo | Market Leader Top 20% of lenders | |
By Loan Purpose· Transaction purpose mix | ||
Purchase | Highly Competitive Top 40% of lenders | |
Refinance | Highly Competitive Top 40% of lenders | |
By Location· Geographic coverage | ||
Geographic Reach Coverage footprint | Industry Standard Top 60% of lenders Near-National12 markets | |
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 1,150 | 80.4% | +0.229%Above | $996Fees | ||||
FHA Loans | 51 | 3.6% | +0.700%Above | $812Fees | ||||
VA Loans | — | 11 | 0.8% | -0.081%Below | $274Fees | |||
Jumbo Loans | 218 | 15.2% | +0.225%Above | $2,779Fees |
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 1,044 | 73.0% | +0.175%Above | $1,579Fees | ||||
Refinance | 386 | 27.0% | +0.420%Above | $256Fees |
At a Glance
Lender Overview
Lending Activity
Loans Originated
1,430
Applications
2,050
Volume
$521 million
Pricing & Closing
Avg Rate Spread
+0.244%
vs. market APOR
Avg Net Fees
$1,203
Origination − Credits
Pullthrough Rate
69.8%
Applications → Closed
Typical Borrower
Avg Loan Amount
$364,552
Avg Borrower Income
$172,799
Avg Property Value
$522,615
Geographic Coverage
Geographic Performance
Metro Areas
11
States Served
29
We count Washington DC as a state
Avg Place Specialization
States with Loan Originations
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Top Metro Areas by Place Specialization Score
1
Pittsburgh, PA, PAMSA
Volume: 685Mix: 47.90%of portfolio
Place
Exceptional2
Cleveland, OH, OHMSA
Volume: 256Mix: 17.90%of portfolio
Place
Exceptional3
Virginia Beach, VA-NCMSA
Volume: 45Mix: 3.15%of portfolio
Place
Sound4
Greenville, SCMSA
Volume: 26Mix: 1.82%of portfolio
Place
Sound5
Frederick, MDMSA
Volume: 25Mix: 1.75%of portfolio
Place
Sound6
Akron, OH, OHMSA
Volume: 22Mix: 1.54%of portfolio
Place
Sound7
Charlotte, NC-SCMSA
Volume: 28Mix: 1.96%of portfolio
Place
Sound8
Arlington, VA-WVMSA
Volume: 26Mix: 1.82%of portfolio
Place
Sound9
Baltimore, MDMSA
Volume: 22Mix: 1.54%of portfolio
Place
Sound10
Atlanta, GAMSA
Volume: 18Mix: 1.26%of portfolio
Place
SoundShowing 10 of 11 metro areas
Top States by Place Specialization Score
1
PAState
Volume: 716Mix: 50.07%of portfolio
Place
Exceptional2
OHState
Volume: 313Mix: 21.89%of portfolio
Place
Strong3
VAState
Volume: 81Mix: 5.66%of portfolio
Place
Strong4
SCState
Volume: 55Mix: 3.85%of portfolio
Place
Sound5
MDState
Volume: 58Mix: 4.06%of portfolio
Place
Sound6
NCState
Volume: 49Mix: 3.43%of portfolio
Place
Sound7
GAState
Volume: 43Mix: 3.01%of portfolio
Place
Sound8
COState
Volume: 18Mix: 1.26%of portfolio
Place
Sound9
MNState
Volume: 16Mix: 1.12%of portfolio
Place
Sound10
FLState
Volume: 13Mix: 0.91%of portfolio
Place
AcceptableHow 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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The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.
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.