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PrimeSouth Bank
Bank|Blackshear, GA|Regional
Loans Originated
102
Applications
113
Volume
$58 million
Offers loans directly to consumers
Overall Pricing
Mediocre
Overall Pull Through
Sound
Pricing and Pullthrough Overview
Average Rate Spread
+0.458%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$4,848
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
90.3%
Percentage of applications that result in closed loans
Safe Rate's Summary
Things to Think About
- Pricing may be below industry average
- Higher than average fees ($4,848)
Report Card
PrimeSouth Bank performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Mediocre | Below peers | |
Pull Through Closing Strength | Sound | Industry Standard | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Sound | Industry Standard | |
Jumbo | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Sound | Industry Standard | |
Refinance | Acceptable | Near industry average | |
Places Geographic coverage | Strong | Regional · 3 metro areas · 2 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$569,608
Average Borrower Income
$315,578
Average Property Value
$1,003,725
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Acceptable | Sound | Mediocre | Strong | 76 | 74.5% | +0.468% | $4,804 |
Jumbo Loans | Strong | Strong | N/A | Exceptional | 25 | 24.5% | +0.033% | $6,594 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Acceptable | Sound | Mediocre | Strong | 68 | 66.7% | +0.316% | $5,674 |
Refinance | Sound | Acceptable | N/A | Strong | 34 | 33.3% | +0.898% | $2,286 |
Geographic Coverage
Metro Areas
2
States Served
2
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
FLGA
Top Metro Areas by Place Specialization Score
1
Brunswick, GAMSA
Volume: 39Mix: 38.24%
Place Specialization
Strong
2
Jacksonville, FL, FLMSA
Volume: 20Mix: 19.61%
Place Specialization
Sound
Top States by Place Specialization Score
1
GAState
Volume: 81Mix: 79.41%
Place Specialization
Strong
2
FLState
Volume: 21Mix: 20.59%
Place Specialization
Sound
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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