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Sandy Spring Bank

Bank•Olney, MDHQ•Direct•Reviews near you on Google

We analyzed every closed loan from Sandy Spring Bank — 823 loans across 1k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Sound
3/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA · Jumbo
Place
Exceptional
5/5
Multi-Region · 4 mkts
Safe Rate Awards
FHA Superstar
FHA
Superstar
VA Superstar
VA
Superstar

Safe Rate Summary

What They Do Well

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

Explore another lender or local market

Report Card

Sandy Spring Bank performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+15.2 bps above market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
FHA
Strong
Top 40% of lenders
VA
Strong
Top 40% of lenders
Jumbo
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 5 markets
Strong
Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Sound
Product
Strong
Pricing
Sound
Pull Through
Sound
Volume603
Mix73.3%
Spread
+0.176%Above
Fees
$1,883Fees
FHA Loans
Overall
Strong
Product
Strong
Pricing
Strong
Pull Through
Strong
Volume116
Mix14.1%
Spread
+0.345%Above
Fees
$2,355Fees
VA Loans
Overall
Strong
Product
Strong
Pricing
Strong
Pull Through
Strong
Volume63
Mix7.7%
Spread
-0.482%Below
Fees
$1,915Fees
Jumbo Loans
Overall
Sound
Product
Strong
Pricing
Acceptable
Pull Through
Sound
Volume38
Mix4.6%
Spread
+0.187%Above
Fees
$1,562Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Strong
Pricing
Sound
Pull Through
Sound
Volume752
Mix91.4%
Spread
+0.154%Above
Fees
$1,909Fees
Refinance
Overall
Sound
Product
Sound
Pricing
Sound
Pull Through
Sound
Volume71
Mix8.6%
Spread
+0.128%Above
Fees
$2,122Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
823
Applications
1,184
Volume
$404 million
Pricing & Closing
Avg Rate Spread
+0.152%
vs. market APOR
Avg Net Fees
$1,927
Origination − Credits
Pullthrough Rate
69.5%
Applications → Closed
Typical Borrower
Avg Loan Amount
$491,768
Avg Borrower Income
$195,248
Avg Property Value
$651,525

Geographic Coverage

Geographic Performance

Metro Areas
4
markets with activity
States Served
18
of 50 states + DC
Avg Place Specialization
Exceptional
5/5

States with Loan Originations

18
18 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Northeast3
MANJPA
Midwest2
ILOH
South12
ALDCDEFLGAMDNCSCTNTXVAWV
West1
CO

Top Metro Areas by Place Specialization Score

1© Preservation Maryland · CC BY-SA 2.0
Frederick, MDMetro
Volume 193Mix 23.45% of portfolio
89/100
Exceptional
2© Andrew Parlette from Elkridge,MD, US · CC BY 2.0
Baltimore, MDMetro
Volume 268Mix 32.56% of portfolio
82/100
Exceptional
3© Ad Meskens · CC BY-SA 3.0
Washington, DC, DC-MDMetro
Volume 106Mix 12.88% of portfolio
77/100
Strong
4© Billy Hathorn · CC BY-SA 3.0
Arlington, VA-WVMetro
Volume 147Mix 17.86% of portfolio
74/100
Strong

Top States by Place Specialization Score

Maryland
Maryland
1
MarylandState
Volume 543Mix 65.98% of portfolio
84/100
Exceptional
Virginia
Virginia
2
VirginiaState
Volume 158Mix 19.20% of portfolio
70/100
Strong
Washington, DC
Washington, DC
3
Washington, DCState
Volume 53Mix 6.44% of portfolio
68/100
Strong
Florida
Florida
4
FloridaState
Volume 10Mix 1.22% of portfolio
33/100
Acceptable

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.