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We analyzed every closed loan from Leader Bank National Association — 4.1k loans across 5k applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.
Pricing
Exceptional
vs. all lenders
Pull Through
Strong
closing strength
Products
Exceptional
FHA · Conventional · VA · Jumbo
Place
Strong
National · 14 mkts
Safe Rate Awards💎Conventional Champion💎Purchase Champion💎Refinance Champion⭐FHA Superstar⭐VA Superstar⭐Jumbo Superstar
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Safe Rate's Summary
What They Do Well
- Offers rates 9.00 basis points below market average
- Lower than average lender fees
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and Jumbo loans
- Nationwide availability with consistent service
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Report Card
Leader Bank, National Association performance at a glance
| Category | Score | vs. Peers |
|---|---|---|
Overall Performance· Pricing & closing strength | ||
Pricing Rate competitiveness | Market Leader Rates 9.0 bps below market avg | |
Pull Through Closing strength | Highly Competitive Top 40% of lenders | |
By Loan Product· Specialization by type | ||
Conventional | Market Leader Top 20% of lenders | |
FHA | Highly Competitive Top 40% of lenders | |
VA | Highly Competitive Top 40% of lenders | |
Jumbo | Market Leader Top 20% of lenders | |
By Loan Purpose· Transaction purpose mix | ||
Purchase | Market Leader Top 20% of lenders | |
Refinance | Highly Competitive Top 40% of lenders | |
By Location· Geographic coverage | ||
Geographic Reach Coverage footprint | Highly Competitive Top 40% of lenders National15 markets | |
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 3,538 | 86.9% | -0.075%Below | $944Fees | ||||
FHA Loans | 68 | 1.7% | +0.134%Above | $589Fees | ||||
VA Loans | 70 | 1.7% | -0.503%Below | $1,214Fees | ||||
Jumbo Loans | 396 | 9.7% | -0.200%Below | $688Fees |
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 3,626 | 89.0% | -0.097%Below | $1,136Fees | ||||
Refinance | 446 | 11.0% | -0.038%Below | $824Credit |
At a Glance
Lender Overview
Lending Activity
Loans Originated
4,072
Applications
4,903
Volume
$2 billion
Pricing & Closing
Avg Rate Spread
-0.090%
vs. market APOR
Avg Net Fees
$917
Origination − Credits
Pullthrough Rate
83.1%
Applications → Closed
Typical Borrower
Avg Loan Amount
$564,074
Avg Borrower Income
$221,673
Avg Property Value
$819,607
Geographic Coverage
Geographic Performance
Metro Areas
14
States Served
42
We count Washington DC as a state
Avg Place Specialization
States with Loan Originations
ALARAZCACOCTDEFLGAIDILINKSKYLAMAMDMEMIMNMOMSMTNCNHNJNMNVNYOHOKORPARISCSDTNTXUTVAVTWA
Top Metro Areas by Place Specialization Score
1
Cambridge, MAMSA
Volume: 1,491Mix: 36.62%of portfolio
Place
Exceptional2
Boston, MA, MAMSA
Volume: 1,166Mix: 28.63%of portfolio
Place
Exceptional3
Worcester, MA, MAMSA
Volume: 340Mix: 8.35%of portfolio
Place
Exceptional4
Providence, RI-MAMSA
Volume: 213Mix: 5.23%of portfolio
Place
Strong5
Barnstable Town, MA, MAMSA
Volume: 168Mix: 4.13%of portfolio
Place
Strong6
Manchester, NHMSA
Volume: 61Mix: 1.50%of portfolio
Place
Strong7
Hartford, CTMSA
Volume: 90Mix: 2.21%of portfolio
Place
Strong8
Rockingham County, NHMSA
Volume: 56Mix: 1.38%of portfolio
Place
Strong9
Portland, MEMSA
Volume: 21Mix: 0.52%of portfolio
Place
Sound10
Springfield, MA, MAMSA
Volume: 16Mix: 0.39%of portfolio
Place
SoundShowing 10 of 14 metro areas
Top States by Place Specialization Score
1
MAState
Volume: 3,331Mix: 81.80%of portfolio
Place
Exceptional2
NHState
Volume: 145Mix: 3.56%of portfolio
Place
Strong3
RIState
Volume: 90Mix: 2.21%of portfolio
Place
Strong4
CTState
Volume: 120Mix: 2.95%of portfolio
Place
Strong5
MEState
Volume: 35Mix: 0.86%of portfolio
Place
Sound6
FLState
Volume: 62Mix: 1.52%of portfolio
Place
Sound7
NCState
Volume: 34Mix: 0.83%of portfolio
Place
Sound8
NYState
Volume: 24Mix: 0.59%of portfolio
Place
Sound9
TXState
Volume: 35Mix: 0.86%of portfolio
Place
Sound10
NJState
Volume: 16Mix: 0.39%of portfolio
Place
SoundShowing 10 of 16 states
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.