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Fall River Five Cents Savings Bank
Bank|Fall River, MA|Multi-Region
Loans Originated
547
Applications
676
Volume
$249 million
Offers loans directly to consumers
Overall Pricing
Exceptional
Overall Pull Through
Strong
Safe Rate Awards⭐Conventional Superstar⭐FHA Superstar⭐Purchase Superstar⭐Refinance Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.049%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$1,424
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
80.9%
Percentage of applications that result in closed loans
Safe Rate's 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
Report Card
Fall River Five Cents Savings Bank performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Exceptional | Market Leader | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
FHA | Strong | Highly Competitive | |
VA | Acceptable | Near industry average | |
Jumbo | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Sound | Industry Standard | |
Places Geographic coverage | Strong | Multi-Regional · 5 metro areas · 6 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$456,261
Average Borrower Income
$158,792
Average Property Value
$605,384
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Strong | Strong | Exceptional | Strong | 412 | 75.3% | +0.015% | $1,269 |
FHA Loans | Strong | Strong | Strong | Strong | 109 | 19.9% | +0.199% | $2,074 |
VA Loans | Acceptable | Acceptable | N/A | N/A | 11 | 2.0% | -0.477% | $825 |
Jumbo Loans | Strong | Strong | N/A | N/A | 15 | 2.7% | +0.218% | $1,380 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Strong | Strong | Exceptional | Strong | 471 | 86.1% | +0.040% | $1,462 |
Refinance | Strong | Sound | Exceptional | Strong | 76 | 13.9% | +0.107% | $1,185 |
Geographic Coverage
Metro Areas
5
States Served
6
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
CTFLMAMENHRI
Top Metro Areas by Place Specialization Score
1
Providence, RI-MAMSA
Volume: 260Mix: 47.53%
Place Specialization
Exceptional
2
Boston, MA, MAMSA
Volume: 119Mix: 21.76%
Place Specialization
Strong
3
Cambridge, MAMSA
Volume: 92Mix: 16.82%
Place Specialization
Strong
4
Worcester, MA, MAMSA
Volume: 31Mix: 5.67%
Place Specialization
Strong
5
Barnstable Town, MA, MAMSA
Volume: 25Mix: 4.57%
Place Specialization
Sound
Top States by Place Specialization Score
1
MAState
Volume: 448Mix: 81.90%
Place Specialization
Exceptional
2
RIState
Volume: 83Mix: 15.17%
Place Specialization
Strong
How 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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