We analyzed every closed loan from Genesee Regional Bank — 1.5k loans across 2k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Acceptable
2/5
vs. all lenders
Pull-through
Exceptional
5/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA
Place
Strong
4/5
Regional · 4 mkts
Awards
Conventional
Superstar
FHA
Superstar
VA
Superstar
Purchase
Superstar
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA loans
Things to Think About
- Rates typically 51 basis points above market average
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Report Card
Genesee Regional Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+50.5 bps above market avg
Pull Through
Closing strength
Exceptional
Top 20% of lenders
By Loan Product· Specialization by type
Conventional
Exceptional
Top 20% of lenders
FHA
Strong
Top 40% of lenders
VA
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Exceptional
Top 20% of lenders
Refinance
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
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 | 1,281 | 85.8% | +0.486%Above | $1,917Fees | ||||
FHA Loans | 150 | 10.0% | +0.783%Above | $1,752Fees | ||||
VA Loans | 47 | 3.1% | +0.156%Above | $2,094Fees |
Conventional
OverallStrong
ProductExceptional
PricingAcceptable
Pull ThroughExceptional
Volume1,281
Mix85.8%
Spread
+0.486%Above
Fees
$1,917Fees
FHA Loans
OverallStrong
ProductStrong
PricingSound
Pull ThroughExceptional
Volume150
Mix10.0%
Spread
+0.783%Above
Fees
$1,752Fees
VA Loans
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughExceptional
Volume47
Mix3.1%
Spread
+0.156%Above
Fees
$2,094Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 1,446 | 96.9% | +0.504%Above | $1,896Fees | ||||
Refinance | 47 | 3.1% | +0.539%Above | $2,679Fees |
Purchase
OverallStrong
ProductExceptional
PricingAcceptable
Pull ThroughExceptional
Volume1,446
Mix96.9%
Spread
+0.504%Above
Fees
$1,896Fees
Refinance
OverallSound
ProductSound
PricingAcceptable
Pull ThroughSound
Volume47
Mix3.1%
Spread
+0.539%Above
Fees
$2,679Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
1,493
Applications
1,782
Volume
$349 million
Pricing & Closing
Avg Rate Spread
+0.505%
vs. market APOR
Avg Net Fees
$1,920
Origination − Credits
Pullthrough Rate
83.8%
Applications → Closed
Typical Borrower
Avg Loan Amount
$234,324
Avg Borrower Income
$126,606
Avg Property Value
$289,052
Geographic Coverage
Geographic Performance
Metro Areas
4
markets with activity
States Served
2
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
2Northeast1
NY
South1
FL
Top Metro Areas by Place Specialization Score
Volume 1,118Mix 74.88% of portfolio
95/100
Exceptional
Volume 171Mix 11.45% of portfolio
78/100
Strong
Volume 37Mix 2.48% of portfolio
69/100
Strong
Volume 19Mix 1.27% of portfolio
52/100
SoundTop States by Place Specialization Score
1
New YorkState
Volume 1,480Mix 99.13% of portfolio
91/100
Exceptional2
FloridaState
Volume 13Mix 0.87% of portfolio
34/100
AcceptableHow 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.