We analyzed every closed loan from Fall River Five Cents Savings Bank — 547 loans across 676 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Exceptional
5/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA · Jumbo
Place
Strong
4/5
Multi-Region · 5 mkts
Awards
Conventional
Superstar
FHA
Superstar
Purchase
Superstar
Refinance
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 Jumbo loans
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Report Card
Fall River Five Cents Savings Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
+4.9 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
Acceptable
Bottom 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 · 5 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 | 412 | 75.3% | +0.015%Above | $1,269Fees | ||||
FHA Loans | 109 | 19.9% | +0.199%Above | $2,074Fees | ||||
VA Loans | — | — | 11 | 2.0% | -0.477%Below | $825Fees | ||
Jumbo Loans | — | — | 15 | 2.7% | +0.218%Above | $1,380Fees |
Conventional
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughStrong
Volume412
Mix75.3%
Spread
+0.015%Above
Fees
$1,269Fees
FHA Loans
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume109
Mix19.9%
Spread
+0.199%Above
Fees
$2,074Fees
VA Loans
OverallAcceptable
ProductAcceptable
Pricing—
Pull Through—
Volume11
Mix2.0%
Spread
-0.477%Below
Fees
$825Fees
Jumbo Loans
OverallStrong
ProductStrong
Pricing—
Pull Through—
Volume15
Mix2.7%
Spread
+0.218%Above
Fees
$1,380Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 471 | 86.1% | +0.040%Above | $1,462Fees | ||||
Refinance | 76 | 13.9% | +0.107%Above | $1,185Fees |
Purchase
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughStrong
Volume471
Mix86.1%
Spread
+0.040%Above
Fees
$1,462Fees
Refinance
OverallStrong
ProductSound
PricingExceptional
Pull ThroughStrong
Volume76
Mix13.9%
Spread
+0.107%Above
Fees
$1,185Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
547
Applications
676
Volume
$249 million
Pricing & Closing
Avg Rate Spread
+0.049%
vs. market APOR
Avg Net Fees
$1,424
Origination − Credits
Pullthrough Rate
80.9%
Applications → Closed
Typical Borrower
Avg Loan Amount
$456,261
Avg Borrower Income
$158,792
Avg Property Value
$605,384
Geographic Coverage
Geographic Performance
Metro Areas
5
markets with activity
States Served
6
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
6Northeast5
CTMEMANHRI
South1
FL
Top Metro Areas by Place Specialization Score
Volume 260Mix 47.53% of portfolio
88/100
Exceptional
Volume 119Mix 21.76% of portfolio
74/100
Strong
Volume 92Mix 16.82% of portfolio
69/100
Strong
Volume 31Mix 5.67% of portfolio
61/100
Strong
Volume 25Mix 4.57% of portfolio
55/100
SoundTop States by Place Specialization Score
1
MassachusettsState
Volume 448Mix 81.90% of portfolio
83/100
Exceptional2
Rhode IslandState
Volume 83Mix 15.17% of portfolio
72/100
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.