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PriorityOne Bank

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PriorityOne Bank has 298 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA · USDA
Place
Strong
4/5
Multi-Region · 3 mkts

Safe Rate Summary

What They Do Well

  • Strong pull through performance
  • Particularly strong in FHA and VA and USDA loans

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Report Card

PriorityOne Bank performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
No peer data
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
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Acceptable
Bottom 40% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 4 markets
Strong
Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Sound
Product
Sound
Pricing
Pull Through
Sound
Volume131
Mix44.0%
Spread
Fees
FHA Loans
Overall
Strong
Product
Strong
Pricing
Pull Through
Strong
Volume129
Mix43.3%
Spread
Fees
VA Loans
Overall
Strong
Product
Strong
Pricing
Pull Through
Strong
Volume20
Mix6.7%
Spread
Fees
USDA Loans
Overall
Strong
Product
Strong
Pricing
Pull Through
Volume15
Mix5.0%
Spread
Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Strong
Product
Strong
Pricing
Pull Through
Strong
Volume272
Mix91.3%
Spread
Fees
Refinance
Overall
Acceptable
Product
Acceptable
Pricing
Pull Through
Sound
Volume26
Mix8.7%
Spread
Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
298
Applications
405
Volume
$83 million
Pricing & Closing
Pullthrough Rate
73.6%
Applications → Closed
Typical Borrower
Avg Loan Amount
$281,443
Avg Borrower Income
$129,399
Avg Property Value
$355,067

Geographic Coverage

Geographic Performance

Metro Areas
3
markets with activity
States Served
10
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

10
10 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Midwest1
MI
South9
ALFLGALAMSNCTNVAWV

Top Metro Areas by Place Specialization Score

Volume 159Mix 53.36% of portfolio
85/100
Exceptional
2© Patricia H. · CC BY 2.0
Hattiesburg, MSMetro
Volume 26Mix 8.72% of portfolio
65/100
Strong
Volume 21Mix 7.05% of portfolio
52/100
Sound

Top States by Place Specialization Score

Mississippi
Mississippi
1
MississippiState
Volume 282Mix 94.63% of portfolio
83/100
Exceptional

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.

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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.