We analyzed every closed loan from North American Savings Bank — 558 loans across 836 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
Acceptable
2/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA · Jumbo
Place
Sound
3/5
National · 4 mkts
Awards
VA
Champion
FHA
Superstar
Summary
What They Do Well
- Nationwide availability with consistent service
Things to Think About
- Pull through efficiency is below industry average
Explore another lender or local market
Report Card
North American Savings Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+30.2 bps above market avg
Pull Through
Closing strength
Acceptable
Bottom 40% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Top 60% of lenders
FHA
Sound
Top 60% of lenders
VA
Strong
Top 40% of lenders
Jumbo
Sound
Top 60% 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
National · 5 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 | 317 | 56.8% | +0.852%Above | $3,495Fees | ||||
FHA Loans | 37 | 6.6% | +0.303%Above | $2,091Fees | ||||
VA Loans | 176 | 31.5% | -0.606%Below | $988Fees | ||||
Jumbo Loans | — | 28 | 5.0% | +2.089%Above | $8,747Fees |
Conventional
OverallAcceptable
ProductSound
PricingMediocre
Pull ThroughAcceptable
Volume317
Mix56.8%
Spread
+0.852%Above
Fees
$3,495Fees
FHA Loans
OverallSound
ProductSound
PricingStrong
Pull ThroughSound
Volume37
Mix6.6%
Spread
+0.303%Above
Fees
$2,091Fees
VA Loans
OverallExceptional
ProductStrong
PricingExceptional
Pull ThroughStrong
Volume176
Mix31.5%
Spread
-0.606%Below
Fees
$988Fees
Jumbo Loans
OverallAcceptable
ProductSound
Pricing—
Pull ThroughAcceptable
Volume28
Mix5.0%
Spread
+2.089%Above
Fees
$8,747Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 483 | 86.6% | +0.337%Above | $2,429Fees | ||||
Refinance | 75 | 13.4% | +0.175%Above | $2,822Fees |
Purchase
OverallSound
ProductSound
PricingSound
Pull ThroughSound
Volume483
Mix86.6%
Spread
+0.337%Above
Fees
$2,429Fees
Refinance
OverallSound
ProductSound
PricingSound
Pull ThroughAcceptable
Volume75
Mix13.4%
Spread
+0.175%Above
Fees
$2,822Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
558
Applications
836
Volume
$249 million
Pricing & Closing
Avg Rate Spread
+0.302%
vs. market APOR
Avg Net Fees
$2,514
Origination − Credits
Pullthrough Rate
66.7%
Applications → Closed
Typical Borrower
Avg Loan Amount
$446,380
Avg Borrower Income
$233,968
Avg Property Value
$572,975
Geographic Coverage
Geographic Performance
Metro Areas
4
markets with activity
States Served
47
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
47Northeast9
CTMEMANHNJNYPARIVT
Midwest9
IAILINKSMIMNMOOHWI
South16
ALARDEFLGAKYLAMDMSNCOKSCTNTXVAWV
West13
AKAZCACOHIIDMTNMNVORUTWAWY
Top Metro Areas by Place Specialization Score
Volume 64Mix 11.47% of portfolio
62/100
Strong
Volume 49Mix 8.78% of portfolio
61/100
Strong
Volume 28Mix 5.02% of portfolio
55/100
Sound
Volume 10Mix 1.79% of portfolio
40/100
SoundTop States by Place Specialization Score
1
MissouriState
Volume 68Mix 12.19% of portfolio
59/100
Sound2
VirginiaState
Volume 55Mix 9.86% of portfolio
58/100
Sound3
AlaskaState
Volume 28Mix 5.02% of portfolio
54/100
Sound4
KansasState
Volume 21Mix 3.76% of portfolio
50/100
Sound5
FloridaState
Volume 41Mix 7.35% of portfolio
49/100
Sound6
North CarolinaState
Volume 28Mix 5.02% of portfolio
47/100
Sound7
GeorgiaState
Volume 24Mix 4.30% of portfolio
47/100
Sound8
TexasState
Volume 34Mix 6.09% of portfolio
47/100
Sound9
TennesseeState
Volume 17Mix 3.05% of portfolio
44/100
Sound10
CaliforniaState
Volume 20Mix 3.58% of portfolio
42/100
SoundShowing 10 of 18 states
How 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.
Looking for a different lender?
Are you the owner of North American Savings Bank?
Claim this profile to add your business logo, highlight verified loan officers, collect verified reviews, and customize your marketing presence.
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.