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Kish Bank

BankBelleville, PADirect to Consumer

Kish Bank has 229 closed loans in our dataset — fully analyzed and benchmarked against peers across the 4 Ps of Mortgage Shopping.

Pricing
Strong
vs. all lenders
Pull Through
Sound
closing strength
Products
Strong
Conventional · Jumbo
Place
Exceptional
Regional · 2 mkts
Safe Rate AwardsConventional SuperstarPurchase Superstar

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Safe Rate's Summary

What They Do Well

  • Offers rates 5.10 basis points below market average
  • Lower than average lender fees
  • Particularly strong in Conventional and Jumbo loans

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Report Card

Kish Bank performance at a glance

CategoryScorevs. Peers
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
Highly Competitive
Rates 5.1 bps below market avg
Pull Through
Closing strength
Sound
Industry Standard
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Highly Competitive
Top 40% of lenders
Jumbo
Strong
Highly Competitive
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Highly Competitive
Top 40% of lenders
Refinance
Acceptable
Near industry average
Bottom 40% of lenders
By Location· Geographic coverage
Geographic Reach
Coverage footprint
Strong
Highly Competitive
Top 40% of lenders
Regional3 markets

Loan Product Performance

Performance by Loan Product

Loan TypeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Conventional
Strong
Strong
Strong
Strong
20690.0%
-0.048%Below
$960Fees
Jumbo Loans
Strong
Strong
177.4%
-0.090%Below
$1,099Fees

Loan Purpose Performance

Performance by Loan Purpose

PurposeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Purchase
Strong
Strong
Strong
Strong
21895.2%
-0.045%Below
$977Fees
Refinance
Acceptable
Acceptable
114.8%
-0.215%Below
$815Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
229
Applications
284
Volume
$78 million
Pricing & Closing
Avg Rate Spread
-0.051%
vs. market APOR
Avg Net Fees
$971
Origination − Credits
Pullthrough Rate
80.6%
Applications → Closed
Typical Borrower
Avg Loan Amount
$340,633
Avg Borrower Income
$166,559
Avg Property Value
$448,537

Geographic Coverage

Geographic Performance

Metro Areas
2
States Served
5
We count Washington DC as a state
Avg Place Specialization
Exceptional

States with Loan Originations

MDNCNYPASC

Top Metro Areas by Place Specialization Score

1
State College, PA, PAMSA
Volume: 89Mix: 38.86%of portfolio
Place
Exceptional
2
Altoona, PA, PAMSA
Volume: 17Mix: 7.42%of portfolio
Place
Strong

Top States by Place Specialization Score

1
PAState
Volume: 225Mix: 98.25%of portfolio
Place
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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The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.
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.