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Sabine State Bank and Trust Company

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Sabine State Bank and Trust Company has 88 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
Pricing
Acceptable
2/5
vs. all lenders
Pull-through
Acceptable
2/5
closing strength
Product
Strong
4/5
FHA · Conventional · USDA
Place
Sound
3/5
Regional · 1 mkts

Safe Rate Summary

Things to Think About

  • Rates typically 62 basis points above market average
  • Pull through efficiency is below industry average

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Report Card

Sabine State Bank and Trust Company performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+62.2 bps above market avg
Pull Through
Closing strength
Acceptable
Bottom 40% of lenders
By Loan Product· Specialization by type
Conventional
Acceptable
Bottom 40% of lenders
FHA
Sound
Top 60% of lenders
USDA
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Top 60% of lenders
Refinance
Acceptable
Bottom 40% of lenders
By Location· Geographic coverage
Geographic Reach
Regional · 2 markets
Sound
Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Mediocre
Product
Acceptable
Pricing
Mediocre
Pull Through
Mediocre
Volume38
Mix43.2%
Spread
+0.765%Above
Fees
$2,317Fees
FHA Loans
Overall
Sound
Product
Sound
Pricing
Sound
Pull Through
Sound
Volume24
Mix27.3%
Spread
+0.462%Above
Fees
$2,501Fees
USDA Loans
Overall
Strong
Product
Strong
Pricing
Pull Through
Strong
Volume24
Mix27.3%
Spread
+0.682%Above
Fees
$1,645Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Acceptable
Product
Sound
Pricing
Acceptable
Pull Through
Acceptable
Volume75
Mix85.2%
Spread
+0.607%Above
Fees
$2,330Fees
Refinance
Overall
Acceptable
Product
Acceptable
Pricing
Pull Through
Acceptable
Volume13
Mix14.8%
Spread
+0.689%Above
Fees
$2,186Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
88
Applications
173
Volume
$17 million
Pricing & Closing
Avg Rate Spread
+0.622%
vs. market APOR
Avg Net Fees
$2,303
Origination − Credits
Pullthrough Rate
50.9%
Applications → Closed
Typical Borrower
Avg Loan Amount
$203,182
Avg Borrower Income
$117,511
Avg Property Value
$246,818

Geographic Coverage

Geographic Performance

Metro Areas
1
markets with activity
States Served
4
of 50 states + DC
Avg Place Specialization
Sound
3/5

States with Loan Originations

4
4 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
South4
GALAOKTX

Top Metro Areas by Place Specialization Score

Volume 13Mix 14.77% of portfolio
51/100
Sound

Top States by Place Specialization Score

Louisiana
Louisiana
1
LouisianaState
Volume 72Mix 81.82% of portfolio
68/100
Strong
Texas
Texas
2
TexasState
Volume 14Mix 15.91% of portfolio
43/100
Sound

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.