Jefferson Bank has 287 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Acceptable
2/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA · Jumbo
Place
Strong
4/5
Single State · 2 mkts
Summary
What They Do Well
- Strong pull through performance
Things to Think About
- Pricing may be below industry average
Explore another lender or local market
Report Card
Jefferson Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+18.2 bps above market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Top 60% of lenders
FHA
Sound
Top 60% of lenders
VA
Sound
Top 60% of lenders
Jumbo
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Top 60% of lenders
Refinance
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Single State · 3 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 | 217 | 75.6% | +0.246%Above | $2,522Fees | ||||
FHA Loans | — | 22 | 7.7% | -0.019%Below | $1,837Fees | |||
VA Loans | — | — | 17 | 5.9% | -0.656%Below | $1,791Fees | ||
Jumbo Loans | 31 | 10.8% | +0.439%Above | $5,897Fees |
Conventional
OverallSound
ProductSound
PricingAcceptable
Pull ThroughSound
Volume217
Mix75.6%
Spread
+0.246%Above
Fees
$2,522Fees
FHA Loans
OverallSound
ProductSound
Pricing—
Pull ThroughSound
Volume22
Mix7.7%
Spread
-0.019%Below
Fees
$1,837Fees
VA Loans
OverallSound
ProductSound
Pricing—
Pull Through—
Volume17
Mix5.9%
Spread
-0.656%Below
Fees
$1,791Fees
Jumbo Loans
OverallSound
ProductStrong
PricingMediocre
Pull ThroughStrong
Volume31
Mix10.8%
Spread
+0.439%Above
Fees
$5,897Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 239 | 83.3% | +0.145%Above | $2,773Fees | ||||
Refinance | 48 | 16.7% | +0.360%Above | $2,406Fees |
Purchase
OverallSound
ProductSound
PricingAcceptable
Pull ThroughSound
Volume239
Mix83.3%
Spread
+0.145%Above
Fees
$2,773Fees
Refinance
OverallSound
ProductSound
PricingMediocre
Pull ThroughSound
Volume48
Mix16.7%
Spread
+0.360%Above
Fees
$2,406Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
287
Applications
385
Volume
$120 million
Pricing & Closing
Avg Rate Spread
+0.182%
vs. market APOR
Avg Net Fees
$2,709
Origination − Credits
Pullthrough Rate
74.5%
Applications → Closed
Typical Borrower
Avg Loan Amount
$420,749
Avg Borrower Income
$208,704
Avg Property Value
$585,941
Geographic Coverage
Geographic Performance
Metro Areas
2
markets with activity
States Served
1
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
1South1
TX
Top Metro Areas by Place Specialization Score
Volume 244Mix 85.02% of portfolio
81/100
Exceptional
Volume 17Mix 5.92% of portfolio
49/100
SoundTop States by Place Specialization Score
1
TexasState
Volume 287Mix 100.00% of portfolio
74/100
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.