S
We analyzed every closed loan from Stifel Bank and Trust — 2.6k loans across 3k applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.
Pricing
Strong
vs. all lenders
Pull Through
Strong
closing strength
Products
Exceptional
FHA · Conventional · VA · Jumbo
Place
Sound
National · 45 mkts
Safe Rate Awards💎VA Champion💎Jumbo Champion⭐Conventional Superstar⭐FHA Superstar⭐Purchase Superstar⭐Refinance Superstar
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Safe Rate's Summary
What They Do Well
- Offers rates 7.50 basis points below market average
- Lower than average lender fees
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and Jumbo loans
- Nationwide availability with consistent service
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Report Card
Stifel Bank and Trust performance at a glance
| Category | Score | vs. Peers |
|---|---|---|
Overall Performance· Pricing & closing strength | ||
Pricing Rate competitiveness | Highly Competitive Rates 7.5 bps below market avg | |
Pull Through Closing strength | Highly Competitive Top 40% of lenders | |
By Loan Product· Specialization by type | ||
Conventional | Highly Competitive Top 40% of lenders | |
FHA | Highly Competitive Top 40% of lenders | |
VA | Highly Competitive Top 40% of lenders | |
Jumbo | Market Leader Top 20% of lenders | |
By Loan Purpose· Transaction purpose mix | ||
Purchase | Highly Competitive Top 40% of lenders | |
Refinance | Highly Competitive Top 40% of lenders | |
By Location· Geographic coverage | ||
Geographic Reach Coverage footprint | Industry Standard Top 60% of lenders National46 markets | |
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 2,160 | 82.1% | -0.077%Below | $448Fees | ||||
FHA Loans | 89 | 3.4% | +0.177%Above | $908Credit | ||||
VA Loans | 53 | 2.0% | -0.551%Below | $175Fees | ||||
Jumbo Loans | 326 | 12.4% | -0.050%Below | $485Fees |
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 2,255 | 85.7% | -0.059%Below | $407Fees | ||||
Refinance | 375 | 14.3% | -0.179%Below | $348Fees |
At a Glance
Lender Overview
Lending Activity
Loans Originated
2,630
Applications
2,966
Volume
$1 billion
Pricing & Closing
Avg Rate Spread
-0.075%
vs. market APOR
Avg Net Fees
$399
Origination − Credits
Pullthrough Rate
88.7%
Applications → Closed
Typical Borrower
Avg Loan Amount
$507,460
Avg Borrower Income
$298,179
Avg Property Value
$759,707
Geographic Coverage
Geographic Performance
Metro Areas
45
States Served
50
We count Washington DC as a state
Avg Place Specialization
States with Loan Originations
ALARAZCACOCTDCDEFLGAHIIAIDILINKSKYLAMAMDMEMIMNMOMSMTNCNDNENHNJNMNVNYOHOKORPARISCSDTNTXUTVAVTWAWIWVWY
Top Metro Areas by Place Specialization Score
1
St. Louis, MO, MO-ILMSA
Volume: 1,013Mix: 38.52%of portfolio
Place
Exceptional2
New York, NY-NJMSA
Volume: 38Mix: 1.44%of portfolio
Place
Sound3
Dallas, TXMSA
Volume: 38Mix: 1.44%of portfolio
Place
Sound4
Phoenix, AZMSA
Volume: 35Mix: 1.33%of portfolio
Place
Sound5
North Port, FLMSA
Volume: 21Mix: 0.80%of portfolio
Place
Sound6
Chicago, ILMSA
Volume: 32Mix: 1.22%of portfolio
Place
Sound7
Lakewood, NJMSA
Volume: 22Mix: 0.84%of portfolio
Place
Sound8
Los Angeles, CAMSA
Volume: 26Mix: 0.99%of portfolio
Place
Sound9
Atlanta, GAMSA
Volume: 27Mix: 1.03%of portfolio
Place
Sound10
Cape Coral, FLMSA
Volume: 19Mix: 0.72%of portfolio
Place
SoundShowing 10 of 45 metro areas
Top States by Place Specialization Score
1
MOState
Volume: 1,033Mix: 39.28%of portfolio
Place
Exceptional2
FLState
Volume: 165Mix: 6.27%of portfolio
Place
Sound3
ILState
Volume: 87Mix: 3.31%of portfolio
Place
Sound4
CAState
Volume: 145Mix: 5.51%of portfolio
Place
Sound5
ALState
Volume: 54Mix: 2.05%of portfolio
Place
Sound6
GAState
Volume: 75Mix: 2.85%of portfolio
Place
Sound7
NJState
Volume: 56Mix: 2.13%of portfolio
Place
Sound8
NYState
Volume: 60Mix: 2.28%of portfolio
Place
Sound9
TXState
Volume: 96Mix: 3.65%of portfolio
Place
Sound10
COState
Volume: 55Mix: 2.09%of portfolio
Place
SoundShowing 10 of 37 states
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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The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.
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.