We analyzed every closed loan from Legends Bank — 416 loans across 503 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Sound
3/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA · USDA
Place
Strong
4/5
Multi-Region · 5 mkts
Awards
FHA
Superstar
VA
Superstar
Purchase
Superstar
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in FHA and VA loans
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Report Card
Legends Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+12.4 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
Strong
Top 40% of lenders
VA
Strong
Top 40% of lenders
USDA
Sound
Top 60% 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
Multi-Regional · 6 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 | 230 | 55.3% | +0.245%Above | $2,316Fees | ||||
FHA Loans | 71 | 17.1% | +0.256%Above | $2,547Fees | ||||
VA Loans | 94 | 22.6% | -0.473%Below | $3,216Fees | ||||
USDA Loans | — | 16 | 3.8% | +0.243%Above | $1,373Fees |
Conventional
OverallSound
ProductSound
PricingAcceptable
Pull ThroughStrong
Volume230
Mix55.3%
Spread
+0.245%Above
Fees
$2,316Fees
FHA Loans
OverallStrong
ProductStrong
PricingStrong
Pull ThroughExceptional
Volume71
Mix17.1%
Spread
+0.256%Above
Fees
$2,547Fees
VA Loans
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume94
Mix22.6%
Spread
-0.473%Below
Fees
$3,216Fees
USDA Loans
OverallSound
ProductSound
Pricing—
Pull ThroughSound
Volume16
Mix3.8%
Spread
+0.243%Above
Fees
$1,373Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 360 | 86.5% | +0.136%Above | $2,560Fees | ||||
Refinance | 56 | 13.5% | +0.061%Above | $2,184Fees |
Purchase
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume360
Mix86.5%
Spread
+0.136%Above
Fees
$2,560Fees
Refinance
OverallSound
ProductSound
PricingAcceptable
Pull ThroughStrong
Volume56
Mix13.5%
Spread
+0.061%Above
Fees
$2,184Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
416
Applications
503
Volume
$135 million
Pricing & Closing
Avg Rate Spread
+0.124%
vs. market APOR
Avg Net Fees
$2,501
Origination − Credits
Pullthrough Rate
82.7%
Applications → Closed
Typical Borrower
Avg Loan Amount
$325,793
Avg Borrower Income
$135,526
Avg Property Value
$426,418
Geographic Coverage
Geographic Performance
Metro Areas
5
markets with activity
States Served
11
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
11Northeast1
PA
South10
ALARFLGAKYNCSCTNTXVA
Top Metro Areas by Place Specialization Score
Volume 156Mix 37.50% of portfolio
87/100
Exceptional
Volume 97Mix 23.32% of portfolio
71/100
Strong
Volume 38Mix 9.13% of portfolio
65/100
Strong
Volume 26Mix 6.25% of portfolio
58/100
Sound
Volume 12Mix 2.88% of portfolio
47/100
SoundTop States by Place Specialization Score
1
TennesseeState
Volume 342Mix 82.21% of portfolio
81/100
Exceptional2
AlabamaState
Volume 41Mix 9.86% of portfolio
58/100
Sound3
KentuckyState
Volume 11Mix 2.64% of portfolio
41/100
SoundHow 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.