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Superior National Bank

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We analyzed every closed loan from Superior National Bank 546 loans across 668 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
Sound
3/5
FHA · Conventional
Place
Strong
4/5
Multi-Region · 2 mkts
Safe Rate Awards
FHA Superstar
FHA
Superstar

Safe Rate Summary

What They Do Well

  • Strong pull through performance

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Report Card

Superior National Bank performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+37.0 bps above market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Top 60% of lenders
FHA
Sound
Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Top 60% of lenders
Refinance
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 3 markets
Strong
Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Sound
Product
Sound
Pricing
Sound
Pull Through
Sound
Volume490
Mix89.7%
Spread
+0.343%Above
Fees
$1,048Fees
FHA Loans
Overall
Strong
Product
Sound
Pricing
Sound
Pull Through
Strong
Volume46
Mix8.4%
Spread
+0.686%Above
Fees
$1,242Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Sound
Pricing
Sound
Pull Through
Sound
Volume470
Mix86.1%
Spread
+0.387%Above
Fees
$1,066Fees
Refinance
Overall
Sound
Product
Sound
Pricing
Sound
Pull Through
Strong
Volume76
Mix13.9%
Spread
+0.273%Above
Fees
$984Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
546
Applications
668
Volume
$159 million
Pricing & Closing
Avg Rate Spread
+0.370%
vs. market APOR
Avg Net Fees
$1,054
Origination − Credits
Pullthrough Rate
81.7%
Applications → Closed
Typical Borrower
Avg Loan Amount
$291,355
Avg Borrower Income
$143,738
Avg Property Value
$382,802

Geographic Coverage

Geographic Performance

Metro Areas
2
markets with activity
States Served
13
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

13
13 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Northeast1
CT
Midwest7
ILINMIMNNEOHWI
South4
FLNCTNTX
West1
WA

Top Metro Areas by Place Specialization Score

Volume 342Mix 62.64% of portfolio
83/100
Exceptional
Volume 58Mix 10.62% of portfolio
65/100
Strong

Top States by Place Specialization Score

Michigan
Michigan
1
MichiganState
Volume 520Mix 95.24% of portfolio
82/100
Exceptional

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.