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Marquette Savings Bank

Bank|Erie, PA|Regional
Loans Originated
458
Applications
555
Volume
$106 million
Offers loans directly to consumers
Overall Pricing
Exceptional
Overall Pull Through
Exceptional
Safe Rate Awards💎Conventional ChampionPurchase SuperstarRefinance Superstar

Pricing and Pullthrough Overview

Average Rate Spread
+0.062%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$453
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
82.5%
Percentage of applications that result in closed loans

Safe Rate's Summary

What They Do Well

  • Competitive pricing compared to the market
  • Lower than average lender fees
  • Strong pull through performance

Report Card

Marquette Savings Bank performance at a glance

CategoryRatingGradeDetails
Pricing
Rate competitiveness
ExceptionalMarket Leader
Pull Through
Closing Strength
ExceptionalMarket Leader
Products
Loan Type Specialists
Specialization score by loan product
Conventional
StrongHighly Competitive
Purpose
Reason specialization
Specialization score by loan purpose
Purchase
StrongHighly Competitive
Refinance
StrongHighly Competitive
Places
Geographic coverage
StrongRegional · 2 metro areas · 3 states
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)

Typical Borrower Profile

Average Loan Amount
$231,528
Average Borrower Income
$127,712
Average Property Value
$300,284

Performance by Loan Product

Loan TypeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Conventional
Exceptional
Strong
Exceptional
Exceptional
45098.3%+0.063%$452

Performance by Loan Purpose

PurposeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Purchase
Strong
Strong
Exceptional
Strong
40688.6%+0.036%$485
Refinance
Strong
Strong
Sound
Exceptional
5211.4%+0.249%$219

Geographic Coverage

Metro Areas
1
States Served
3
We count Washington DC as a state
Avg Place Specialization
Exceptional

States with Loan Originations

NYOHPA

Top Metro Areas by Place Specialization Score

1
Erie, PA, PAMSA
Volume: 318Mix: 69.43%
Place Specialization
Exceptional

Top States by Place Specialization Score

1
PAState
Volume: 454Mix: 99.13%
Place Specialization
Exceptional

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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