We analyzed every closed loan from First Palmetto Bank — 453 loans across 521 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Strong
4/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA · USDA
Place
Strong
4/5
Multi-Region · 5 mkts
Awards
Conventional
Superstar
FHA
Superstar
VA
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 VA and USDA loans
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Report Card
First Palmetto Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
+5.2 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
Strong
Top 40% of lenders
USDA
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 6 markets
Sound
Top 60% of lenders
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 331 | 73.1% | -0.017%Below | $1,090Fees | ||||
FHA Loans | 78 | 17.2% | +0.520%Above | $1,097Fees | ||||
VA Loans | 25 | 5.5% | -0.339%Below | $1,033Fees | ||||
USDA Loans | — | — | 10 | 2.2% | -0.038%Below | $1,526Fees |
Conventional
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume331
Mix73.1%
Spread
-0.017%Below
Fees
$1,090Fees
FHA Loans
OverallStrong
ProductStrong
PricingStrong
Pull ThroughExceptional
Volume78
Mix17.2%
Spread
+0.520%Above
Fees
$1,097Fees
VA Loans
OverallStrong
ProductStrong
PricingStrong
Pull ThroughExceptional
Volume25
Mix5.5%
Spread
-0.339%Below
Fees
$1,033Fees
USDA Loans
OverallStrong
ProductStrong
Pricing—
Pull Through—
Volume10
Mix2.2%
Spread
-0.038%Below
Fees
$1,526Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 367 | 81.0% | +0.032%Above | $1,115Fees | ||||
Refinance | 86 | 19.0% | +0.141%Above | $1,108Fees |
Purchase
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume367
Mix81.0%
Spread
+0.032%Above
Fees
$1,115Fees
Refinance
OverallStrong
ProductStrong
PricingStrong
Pull ThroughExceptional
Volume86
Mix19.0%
Spread
+0.141%Above
Fees
$1,108Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
453
Applications
521
Volume
$140 million
Pricing & Closing
Avg Rate Spread
+0.052%
vs. market APOR
Avg Net Fees
$1,114
Origination − Credits
Pullthrough Rate
86.9%
Applications → Closed
Typical Borrower
Avg Loan Amount
$309,238
Avg Borrower Income
$153,735
Avg Property Value
$415,706
Geographic Coverage
Geographic Performance
Metro Areas
5
markets with activity
States Served
7
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
7Midwest1
OH
South6
FLGAKYNCSCTN
Top Metro Areas by Place Specialization Score
Volume 290Mix 64.02% of portfolio
95/100
Exceptional
Volume 49Mix 10.82% of portfolio
67/100
Strong
Volume 26Mix 5.74% of portfolio
56/100
Sound
Volume 16Mix 3.53% of portfolio
49/100
Sound
Volume 11Mix 2.43% of portfolio
44/100
SoundTop States by Place Specialization Score
1
South CarolinaState
Volume 432Mix 95.36% of portfolio
87/100
Exceptional2
North CarolinaState
Volume 14Mix 3.09% of portfolio
41/100
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.