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Edmonton State Bank

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Edmonton State Bank has 238 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Mediocre
1/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Strong
4/5
Conventional · USDA
Place
Strong
4/5
Regional · 2 mkts

Safe Rate Summary

What They Do Well

  • Particularly strong in Conventional and USDA loans

Things to Think About

  • Rates typically 72 basis points above market average

Explore another lender or local market

Report Card

Edmonton State Bank performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Mediocre
+71.5 bps above market avg
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
USDA
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Top 60% of lenders
Refinance
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Regional · 3 markets
Strong
Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Sound
Product
Strong
Pricing
Mediocre
Pull Through
Strong
Volume221
Mix92.9%
Spread
+0.733%Above
Fees
$1,988Fees
USDA Loans
Overall
Sound
Product
Strong
Pricing
Pull Through
Sound
Volume16
Mix6.7%
Spread
+0.315%Above
Fees
$1,940Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Sound
Pricing
Mediocre
Pull Through
Sound
Volume188
Mix79.0%
Spread
+0.682%Above
Fees
$1,992Fees
Refinance
Overall
Acceptable
Product
Sound
Pricing
Mediocre
Pull Through
Sound
Volume50
Mix21.0%
Spread
+0.811%Above
Fees
$1,967Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
238
Applications
342
Volume
$51 million
Pricing & Closing
Avg Rate Spread
+0.715%
vs. market APOR
Avg Net Fees
$1,985
Origination − Credits
Pullthrough Rate
69.6%
Applications → Closed
Typical Borrower
Avg Loan Amount
$217,773
Avg Borrower Income
$101,059
Avg Property Value
$362,227

Geographic Coverage

Geographic Performance

Metro Areas
2
markets with activity
States Served
2
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

2
2 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
South2
KYTN

Top Metro Areas by Place Specialization Score

Volume 55Mix 23.11% of portfolio
78/100
Strong
Volume 15Mix 6.30% of portfolio
47/100
Sound

Top States by Place Specialization Score

Kentucky
Kentucky
1
KentuckyState
Volume 222Mix 93.28% of portfolio
81/100
Exceptional
Tennessee
Tennessee
2
TennesseeState
Volume 16Mix 6.72% of portfolio
45/100
Sound

How 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.