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Hancock County Savings Bank

Bank•Chester, WVHQ•Direct•Reviews near you on Google

Hancock County Savings Bank has 216 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
Strong
4/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
Conventional
Place
Strong
4/5
Regional · 2 mkts
Safe Rate Awards
Conventional Superstar
Conventional
Superstar
Purchase Superstar
Purchase
Superstar
Refinance Superstar
Refinance
Superstar

Safe Rate Summary

What They Do Well

  • Offers rates 2.10 basis points below market average
  • Lower than average lender fees
  • Strong pull through performance

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Report Card

Hancock County Savings Bank performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
Rates 2.1 bps below market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
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
Regional · 3 markets
Strong
Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Strong
Product
Strong
Pricing
Strong
Pull Through
Strong
Volume215
Mix99.5%
Spread
-0.017%Below
Fees
$532Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Strong
Product
Strong
Pricing
Exceptional
Pull Through
Strong
Volume183
Mix84.7%
Spread
-0.029%Below
Fees
$532Fees
Refinance
Overall
Strong
Product
Sound
Pricing
Sound
Pull Through
Strong
Volume33
Mix15.3%
Spread
+0.021%Above
Fees
$528Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
216
Applications
316
Volume
$36 million
Pricing & Closing
Avg Rate Spread
-0.021%
vs. market APOR
Avg Net Fees
$532
Origination − Credits
Pullthrough Rate
68.4%
Applications → Closed
Typical Borrower
Avg Loan Amount
$167,685
Avg Borrower Income
$109,676
Avg Property Value
$228,519

Geographic Coverage

Geographic Performance

Metro Areas
2
markets with activity
States Served
3
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

3
3 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Northeast1
PA
Midwest1
OH
South1
WV

Top Metro Areas by Place Specialization Score

1© Jeremywagg (original), Yassie (derivative work) · CC BY-SA 3.0
Weirton, WV-OHMetro
Volume 147Mix 68.06% of portfolio
100/100
Exceptional
2© Dan Gaken · CC BY 2.0
Pittsburgh, PAMetro
Volume 11Mix 5.09% of portfolio
45/100
Sound

Top States by Place Specialization Score

West Virginia
West Virginia
1
West VirginiaState
Volume 103Mix 47.69% of portfolio
78/100
Strong
Ohio
Ohio
2
OhioState
Volume 102Mix 47.22% of portfolio
66/100
Strong
Pennsylvania
Pennsylvania
3
PennsylvaniaState
Volume 11Mix 5.09% of portfolio
41/100
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.