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Rockland Trust Company
Bank|Rockland, MA|Regional
Loans Originated
763
Applications
1,156
Volume
$388 million
Offers loans directly to consumers
Overall Pricing
Strong
Overall Pull Through
Sound
Safe Rate Awards⭐Conventional Superstar⭐Jumbo Superstar⭐Purchase Superstar⭐Refinance Superstar
Pricing and Pullthrough Overview
Average Rate Spread
-0.123%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$1,250
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
66.0%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Offers rates 12.30 basis points below market average
- Lower than average lender fees
- Particularly strong in Conventional and Jumbo loans
Report Card
Rockland Trust Company performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Strong | Highly Competitive | |
Pull Through Closing Strength | Sound | Industry Standard | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
FHA | Sound | Industry Standard | |
Jumbo | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Strong | Regional · 6 metro areas · 5 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$509,705
Average Borrower Income
$209,258
Average Property Value
$774,541
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Strong | Strong | Strong | Sound | 673 | 88.2% | -0.132% | $1,235 |
FHA Loans | Sound | Sound | Strong | Sound | 28 | 3.7% | +0.405% | $1,120 |
Jumbo Loans | Strong | Strong | Strong | Sound | 59 | 7.7% | -0.327% | $1,485 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Strong | Strong | Strong | Sound | 667 | 87.4% | -0.148% | $1,297 |
Refinance | Strong | Strong | Strong | Sound | 96 | 12.6% | +0.047% | $921 |
Geographic Coverage
Metro Areas
5
States Served
5
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
FLMAMENHRI
Top Metro Areas by Place Specialization Score
1
Boston, MA, MAMSA
Volume: 323Mix: 42.33%
Place Specialization
Exceptional
2
Cambridge, MAMSA
Volume: 199Mix: 26.08%
Place Specialization
Strong
3
Providence, RI-MAMSA
Volume: 73Mix: 9.57%
Place Specialization
Strong
4
Barnstable Town, MA, MAMSA
Volume: 58Mix: 7.60%
Place Specialization
Strong
5
Worcester, MA, MAMSA
Volume: 41Mix: 5.37%
Place Specialization
Strong
Top States by Place Specialization Score
1
MAState
Volume: 709Mix: 92.92%
Place Specialization
Exceptional
2
NHState
Volume: 21Mix: 2.75%
Place Specialization
Sound
3
RIState
Volume: 15Mix: 1.97%
Place Specialization
Sound
4
FLState
Volume: 13Mix: 1.70%
Place Specialization
Acceptable
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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