We analyzed every closed loan from Stride Bank — 1.4k loans across 2k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
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 · USDA
Place
Strong
4/5
Near-National · 6 mkts
Awards
Conventional
Superstar
FHA
Superstar
VA
Superstar
Purchase
Superstar
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and USDA loans
- Nationwide availability with consistent service
Explore another lender or local market
Report Card
Stride Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+32.0 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
USDA
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
Near-National · 7 markets
Strong
Top 40% of lenders
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 705 | 51.6% | +0.214%Above | $1,531Fees | ||||
FHA Loans | 419 | 30.7% | +0.711%Above | $1,599Fees | ||||
VA Loans | 201 | 14.7% | -0.194%Below | $1,330Fees | ||||
USDA Loans | — | 34 | 2.5% | +0.440%Above | $1,638Fees |
Conventional
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume705
Mix51.6%
Spread
+0.214%Above
Fees
$1,531Fees
FHA Loans
OverallStrong
ProductStrong
PricingSound
Pull ThroughExceptional
Volume419
Mix30.7%
Spread
+0.711%Above
Fees
$1,599Fees
VA Loans
OverallStrong
ProductStrong
PricingSound
Pull ThroughExceptional
Volume201
Mix14.7%
Spread
-0.194%Below
Fees
$1,330Fees
USDA Loans
OverallExceptional
ProductStrong
Pricing—
Pull ThroughExceptional
Volume34
Mix2.5%
Spread
+0.440%Above
Fees
$1,638Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 1,308 | 95.7% | +0.322%Above | $1,502Fees | ||||
Refinance | 59 | 4.3% | +0.285%Above | $2,124Fees |
Purchase
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume1,308
Mix95.7%
Spread
+0.322%Above
Fees
$1,502Fees
Refinance
OverallSound
ProductSound
PricingSound
Pull ThroughAcceptable
Volume59
Mix4.3%
Spread
+0.285%Above
Fees
$2,124Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
1,367
Applications
1,741
Volume
$391 million
Pricing & Closing
Avg Rate Spread
+0.320%
vs. market APOR
Avg Net Fees
$1,537
Origination − Credits
Pullthrough Rate
78.5%
Applications → Closed
Typical Borrower
Avg Loan Amount
$286,690
Avg Borrower Income
$125,952
Avg Property Value
$343,544
Geographic Coverage
Geographic Performance
Metro Areas
6
markets with activity
States Served
29
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
29Northeast2
MAPA
Midwest7
IAKSMIMONEOHWI
South13
ALARFLGAKYLAMDMSNCOKTNTXVA
West7
AZCACONMUTWAWY
Top Metro Areas by Place Specialization Score
Volume 671Mix 49.09% of portfolio
97/100
Exceptional
Volume 239Mix 17.48% of portfolio
79/100
Strong
Volume 135Mix 9.88% of portfolio
69/100
Strong
Volume 13Mix 0.95% of portfolio
43/100
Sound
Volume 10Mix 0.73% of portfolio
43/100
Sound
Volume 10Mix 0.73% of portfolio
38/100
AcceptableTop States by Place Specialization Score
1
OklahomaState
Volume 1,110Mix 81.20% of portfolio
93/100
Exceptional2
KansasState
Volume 75Mix 5.49% of portfolio
65/100
Strong3
MissouriState
Volume 91Mix 6.66% of portfolio
60/100
Sound4
TexasState
Volume 26Mix 1.90% of portfolio
41/100
SoundHow 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.